Is My Job Actually Worth It?

UK Work, Pay & Life Calculator

Compare your headline pay with what your job is really worth after deductions, extra time, commuting and work-related costs.

📋 Before you start — useful documents

You do not need all of these. Use what you have and leave unknown items blank.

⭐ Latest payslip
Actual gross pay, tax, NI, pension and deductions.
📄 Employment contract
Salary and contracted average hours.
📚 3–12 recent payslips
Best for variable overtime, commission and bonuses.
📑 P60
Useful for checking a completed tax year.
📅 Rota / timesheets
Useful for actual hours and repeating shift patterns.
💷 Pension information
Contribution percentage or actual payroll amount.
🚗 Commute costs
Fuel/fares, parking and tolls.
👶 Other work costs
Childcare, meals, clothing, tools and similar costs.
Calculation completeness0%

1. How are you paid?

For salaried workers, enter the salary from your contract or payslip.

2. Working hours & rota

Time at work that is not included in paid hours.
Regular unpaid work time outside your paid hours, excluding lunch/breaks.

3. Overtime

Use calculated overtime if you know the hours and rate. Use actual overtime pay if payroll uses a different underlying rate.

Calculated overtime pay: £0.00
Use “This pay period only” for overtime that happened on one payslip. Choose a repeating option only if you expect roughly the same overtime each period.

Overtime hours are automatically added to annual physical working time.

4. Other additional income

5. Tax, NI & deductions

Choose the code type shown on your payslip. Numbered L, M, N, T and K codes ask for the number separately. Scottish/Welsh treatment follows the tax-region setting.

Automatic deductions are comparison estimates. Actual payroll figures should be used when available.

6. Salary sacrifice & payroll adjustments

7. Commute & work costs

8. Paid time off, sickness & guaranteed days off

This section separates time you are paid not to work from time off that reduces your income.

Bank/public holidays

Choose any year from the current year through the next 10 years. Standard recurring bank holidays and substitute days are calculated automatically. Exceptional one-off bank holidays cannot be predicted and should be checked when officially announced. “Off using holiday allowance” is not added twice to annual leave.

Other guaranteed days off

Sickness

Choose how sickness is paid, then add each sickness period separately.

No sickness entered.

The first-three-days option applies separately to each sickness period. SSP is an estimate for comparison only.

Real-life hourly value
£0.00 / hour
Net income after work costs divided by physical work + other extra unpaid work time. Commute minutes and normal lunch/breaks do not affect this figure.
Contract hourly value£0.00
Take-home per physical work hour£0.00
Real-life/hour£0.00

Confidence

—

💷 Typical pay

Base annual pay£0.00
Annual overtime£0.00
Other additional income£0.00
Gross annual income£0.00
Income Tax-£0.00
Employee NI-£0.00
Employee pension-£0.00
Student loan-£0.00
Other deductions-£0.00
Salary sacrifice / adjustment-£0.00
Sickness / reduced-leave income loss-£0.00
Estimated annual take-home£0.00
Average monthly equivalent£0.00
Typical 4-week take-home£0.00
This pay period estimated take-home£0.00

Shown when overtime is set to “This pay period only”. It keeps the full one-off overtime payment in this pay period instead of spreading it across the annual average.

⏱ Work & life time

Schedule—
Average working days/week0
Average scheduled shifts/year0
Contracted hours/year0 hours
Scheduled normal paid hours/year0 hours
Overtime hours/year0 hours
Paid holiday hours not worked0 hours
Guaranteed paid hours off0 hours
Paid bank-holiday hours off0 hours
Sick hours not worked0 hours
Physical hours actually worked0 hours
Extra hours above contract/year0 hours
Equivalent extra 8-hour days0 days
Commute hours/year0 hours
Unpaid lunch/break hours/year0 hours
Other unpaid time/year0 hours
Total real-life time committed/year0 hours
Typical clock-in → clock-out—

🏖 Paid time off & sickness

Paid time-off value£0.00
Income lost to unpaid/reduced time off-£0.00
Sick periods/year0
Sick working days/year0
Take-home per physical work hour£0.00 / hour

💳 Cost of having the job

Annual work-related costs£0.00
Net income after those costs£0.00
Version 26.0 calculation notice

Contracted hours, scheduled paid hours and physical hours actually worked are calculated separately. Annual leave is removed once only. Bank holidays or guaranteed days marked “taken from holiday allowance” are not double-counted. Normal lunch/breaks and commute minutes are shown separately but do not affect real-life hourly value. Other extra unpaid work time is included in real-life time committed. Travel costs are accounted for separately under Travel per week (£).

Estimate disclaimer: This calculator is for comparison and planning only. Results are estimates and may differ from your actual payslip, payroll, tax, pension, statutory pay or employer calculations. Tax, NI, pension, student-loan, SSP, overtime and take-home figures can vary because of payroll methods, tax-code treatment, pay-period timing, rounding and information not entered here. Do not rely on this calculator as financial, tax, legal, employment or payroll advice. Check important figures against your payslip, contract, employer/payroll information and official guidance. Estimated deductions prevent the confidence score from reaching 100%.