Pay rise calculator
Enter your salary now and either your new salary or the size of the rise, in pounds or as a percentage. The calculator shows how much of the rise reaches your bank account in the 2026/27 tax year, for the year and for each month.
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What the calculator assumes
- The 2026/27 tax year, 6 April 2026 to 5 April 2027, with both salaries paid for the whole year.
- Both salaries are before deductions and come from one job.
- You have the standard personal allowance of £12,570 and no other income.
- National Insurance is charged at the usual employee rates, category A.
- Your student loan plan and pension option stay the same after the rise, and the pension works as it does in the take-home pay calculator.
How the rise is worked out
The calculator works out your take-home pay for a full year on the old salary and again on the new one. The gap between those two figures is your rise after tax. It then divides that gap by twelve for the monthly figure, and by the gross rise to give the share you keep.
If you enter a percentage, the new salary is your current salary increased by that percentage. A 4% rise on £30,000, for example, gives a new salary of £31,200 and a gross rise of £1,200.
Why you keep less than the headline rise
The deductions on the extra pay depend on where your salary already sits, so the same rise can be worth quite different amounts to two people. Each pound of the rise is taxed at the rate for the band it falls in.
In England, Wales and Northern Ireland, a rise inside the basic rate band loses 20% to income tax and 8% to National Insurance. When your salary is already in the higher rate band, income tax on the extra is usually 40%. National Insurance on pay above £50,270 drops to 2%. Pay below both the personal allowance and the National Insurance threshold of £12,570 has none of these taken off.
Between £100,000 and the point where the allowance has gone, a rise costs more. You lose 50% of each extra pound from your personal allowance as well as paying tax on the pound itself, so the share you keep falls sharply in that range.
A student loan takes its own cut once your pay is over your plan's threshold: 9% of the extra for Plans 1, 2, 4 and 5, and 6% for a postgraduate loan. If you pay into a workplace pension as a percentage of salary, your contribution grows with the rise too.
Scotland uses its own bands, with rates from 19% to 48%, so choose Scotland if you pay Scottish income tax.
What it leaves out
- Back pay. A rise that is agreed late and paid in one lump can make that month's payslip look like a bonus month.
- Benefits and charges that depend on income, such as the High Income Child Benefit Charge.
- Rising prices. A rise smaller than the rise in prices buys less than your old salary did.
- A second job, savings interest and other income.
The take-home pay calculator shows the full working for one salary. If your rise comes with a change in hours, the pro rata calculator converts a full-time salary to the hours you work. For a rise on an hourly rate, the hourly pay pages turn a rate into a yearly salary. NHS staff can compare pay points in the NHS take-home pay calculator.
Official guidance
- Income Tax rates and Personal Allowances on GOV.UK
- How much National Insurance you pay on GOV.UK
- Scottish Income Tax on GOV.UK
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