Compare two salaries side by side.
See exactly how two UK gross salaries compare after income tax, National Insurance, pension and student loan, for the 2026/27 tax year.
B = A +
Gross salary before tax
£
Frequency
Hours/week
h
Annual bonus
£
Region
Adjustments
Pensionsalary sacrifice
Student loanPlan 2, Postgrad…
Blind person's allowance+£3,070 tax-free
Salary sacrificechildcare, EV, cycle…
Difference
+£300.00/ month
Salary B keeps £3,600.00 more per year than Salary A, for a gross gap of £5,000.
Salary A take-home
£2,093.30/ month
£25,119.60 / yr · keeps 83.7%
Salary B take-home
£2,393.30/ month
£28,719.60 / yr · keeps 82.1%
Full breakdown
| Item (month) | Salary A | Salary B | Difference |
|---|---|---|---|
| Total income | £2,500.00 | £2,916.67 | +£416.67 |
| Base salary | £2,500.00 | £2,916.67 | +£416.67 |
| Earnings breakdown | £0.00 | £0.00 | - |
| Taxable income | £1,452.50 | £1,869.17 | +£416.67 |
| Pension qualifying earnings | £1,980.00 | £2,396.67 | +£416.67 |
| Total deductions | £406.70 | £523.37 | +£116.67 |
| Income tax | £290.50 | £373.83 | +£83.33 |
| National Insurance | £116.20 | £149.53 | +£33.33 |
| Pension | £0.00 | £0.00 | - |
| Take-home pay | £2,093.30 | £2,393.30 | +£300.00 |
Useful next steps
Calculator
Work out your take-home pay
Plug in your salary, pension and student loan and see your real monthly take-home for 2026/27.
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Tables
Salary tables for 2026/27
Pre-calculated take-home pay from £15,000 up to £200,000, in £1,000 steps.
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Guide
How your salary is calculated
Income tax thresholds, NI rates, the Scottish bands and student-loan plans, in plain English.
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Common questions
Why is the take-home gap smaller than the gross gap?
−A pay rise is taxed at your marginal rate, not your average rate. If the extra income falls into the basic-rate band, you keep about 70p of every extra pound after tax, NI and student loan. If it falls in the higher-rate band you keep around 50p. So a £5,000 raise rarely puts £5,000 a year in your pocket.