UK decision tool
Pay rise calculator
See a percentage or cash increase as a new annual salary, monthly gross pay and estimated standard UK take-home.
How to interpret your result
The gross increase is the difference between your old and new headline salary. The estimated net gain applies the 2026/27 Income Tax bands and monthly category A National Insurance thresholds to each salary, then compares the two results.
The “share of raise kept” is not your overall tax rate. It is the portion of this particular increase left after the additional standard Income Tax and employee National Insurance in the model. Pension contributions, student loans, benefits and your tax code can change it.
A higher tax band does not re-tax your whole salary. Only the portion crossing into the next band faces the next rate. Read our marginal versus effective tax guide.
Before accepting a raise
- Confirm whether the quoted increase is recurring salary or a one-off bonus.
- Check whether pension contributions are a percentage of the new salary.
- Ask whether the role changes expected hours, location or commuting costs.
- Review any impact on student-loan deductions or means-tested benefits.
- Compare the full package, not just monthly cash pay.
For pension and loan options, continue in the full UK take-home pay calculator.