Payroll Tax Breakdown
Break down pay before payroll becomes confusing.
Estimate gross pay, PAYE Income Tax, employee National Insurance, employer National Insurance, net pay and total employer payroll cost in one clear breakdown.
PAYE estimate
Employee NI
Employer NI
Net pay clarity
What this tool helps with
Use it to understand what comes out of pay.
Payroll can feel unclear when gross pay, deductions and employer costs are all mixed together. This tool breaks the numbers into simple parts.
Payroll Tax Breakdown
Estimate gross pay, deductions and payroll cost.
Enter salary, pay frequency, pension settings and Employment Allowance preference.
Your payroll inputs
This tool gives a simplified payroll estimate for England, Wales and Northern Ireland. It does not cover every tax code, benefits, student loans, salary sacrifice or payroll exception.
Your result
Based on annual gross salary of £36,000 paid monthly.
Estimated net pay per period
£2,491.42
Gross pay per period
£3,000.00
PAYE Income Tax
£390.50
Employee NI
£156.20
Employee pension
£52.00
Employer NI
£387.50
Total employer cost per period
£3,465.50
Net pay
83.05%
Deductions
16.95%
This is a general estimate only. Real payroll depends on tax code, pay period, pension setup, benefits, student loans and other payroll circumstances.
Important payroll guidance
This breakdown uses 2026/27 planning assumptions for PAYE Income Tax, employee National Insurance, employer National Insurance and basic pension modelling. Actual payroll can vary because of tax codes, pay frequency, pension scheme rules, benefits, student loans, salary sacrifice and other circumstances.
Gross pay is not the same as take-home pay
Payroll deductions can include PAYE Income Tax, employee National Insurance, pension contributions and other items. Employees normally focus on net pay, while employers need to understand the full cost.
Employer cost can be higher than salary
Employers may also need to budget for employer National Insurance, employer pension contributions, payroll software, benefits and wider employment costs.
Related tools
Useful payroll and tax tools to try next.
Want a payroll cost planning sheet?
Use the breakdown tool for a quick estimate, then use a planning sheet to compare pay rises, new hires, monthly payroll cost and staff cost pressure.
Payroll should be clear before payday.
A simple breakdown can help employers and employees understand the numbers before confusion builds.
Payroll Tax Breakdown FAQs
Quick questions before using the breakdown tool.
No. It gives a planning estimate. Exact payroll depends on tax code, pay period, pension scheme, benefits, student loans and real payroll records.
No. This version focuses on PAYE Income Tax, National Insurance, pensions and employer cost. Student loan logic can be added later if needed.
Employers may pay extra costs such as employer National Insurance and employer pension contributions on top of gross salary.
Yes. BondEsq can help with payroll setup, regular payroll processing, submissions, employer duties and payroll-related bookkeeping.
Need help making payroll clearer?
The breakdown gives a useful estimate. A proper conversation helps you understand payroll setup, submissions, employer costs, pensions and monthly cash flow.
Use the breakdown wisely
Break down payroll, then understand what it means for the business.
Payroll affects take-home pay, employer cost, cash flow, bookkeeping and compliance. Use this as a starting point before making payroll decisions.