Pay Rise Calculator
How much of a pay rise you actually keepRuns in your browser
| Per year | Before | After | Change |
|---|---|---|---|
| Gross salary | £35,000.00 | £36,750.00 | £1,750.00 |
| Income tax | £4,486.00 | £4,836.00 | £350.00 |
| National Insurance | £1,794.40 | £1,934.40 | £140.00 |
| Student loans | £0.00 | £0.00 | £0.00 |
| Pension (from pay) | £0.00 | £0.00 | £0.00 |
| Take-home pay | £28,719.60 | £29,979.60 | £1,260.00 |
These are estimates based on 2026/27 rates and the inputs you give. Your actual position can differ (other income, benefits in kind, tax code changes, scheme rules). This is not financial or tax advice.
How it works
Worked example
Input: £35,000 in England with a 5% rise, no pension or student loan.
- New salary: £36,750.
- Take-home before: £28,719.60.
- Take-home after: £29,979.60.
Result: £1,260 more a year (£105 a month): you keep 72% of the £1,750 rise.
Limits
- Assumes one PAYE job for the whole 2026/27 tax year. Pay-period rounding on real payslips can change monthly figures by a few pence.
- Does not include benefits in kind, the High Income Child Benefit Charge, Marriage Allowance or Blind Person's Allowance unless they are reflected in the tax code you enter.
- Employer pension contributions and employer National Insurance are not part of take-home pay and are not shown.
Sources
- HMRC – Rates and thresholds for employers 2026 to 2027
- GOV.UK – Income Tax rates and Personal Allowances
- GOV.UK – Scottish Income Tax
- GOV.UK – National Insurance rates and categories
- GOV.UK – Repaying your student loan: what you pay
- GOV.UK – Tax on your private pension contributions (tax relief)
- GOV.UK – Workplace pensions: what you, your employer and the government pay
- GOV.UK – Tax codes
How to use
- 1Enter your current annual salary.
- 2Enter the rise as a percentage or as a £ amount per year.
- 3Set your region, pension and student loan so deductions match your payslip.
- 4Compare take-home pay before and after, and see what share of the rise you keep.
FAQ
Why do I keep less than the full pay rise?
The extra pay is taxed at your marginal rate: typically 20% tax + 8% NI for a basic-rate taxpayer in England, plus 9% if you repay a student loan, and any pension percentage.
Can a pay rise make me worse off?
Not through income tax or NI alone: you always keep some of a rise. But crossing £100,000 means losing personal allowance (an effective 60% tax rate before NI), and other things like Child Benefit or childcare support can be affected.