What makes up take-home pay
Gross salary is not the amount that reaches your bank account. Tax, National Insurance, student loans and pensions are deducted in a set order.
The order matters
Salary sacrifice reduces pay before Income Tax, National Insurance and student loan repayments. A net pay pension reduces taxable pay, but not National Insurance or the student loan. Relief at source is paid from net pay, with basic-rate relief added in the pension.
Student loan repayments use the pay-period threshold for the plan and are rounded down to the nearest pound. They are not the same as Income Tax.
An estimate, not a tax code
Aldoraun uses published rates for 2025 to 2026 and 2026 to 2027. Your tax code, benefits in kind and other jobs can change the result. The figure is an estimate.