PaychecklyTarget Salary Calculator
Enter the monthly take-home you want — we'll work out the exact gross salary you need to ask for, accounting for Scottish tax bands, student loans, and pension contributions.
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How this works
We run the inverse of the standard 2026/27 PAYE calculation. Starting from your target monthly net, we annualise it then binary-search for the gross salary that leaves you with exactly that amount after Income Tax, National Insurance, pension contributions, and student-loan repayments.
The most common mistake in salary negotiations is anchoring on the headline gross without accounting for student-loan repayments (9% of earnings above the threshold) or pension contributions. Both can pull thousands off take-home — this calculator factors them all in.