2026/27 pay calculator
Pay rise take-home calculator
See how much a pay rise or promotion adds to monthly take-home pay after tax, pension and student loans.
Your details
Tax, pension & student loansStandard Income Tax · No pension · No student loan
Input guidance
- Annual gross salary (£)
- Before Income Tax, NI and employee pension deductions.
- Employee pension (% of all salary)
- Applied to the full salary entered, not qualifying earnings.
Your estimate
Extra take-home each month
£300.00
2026/27 estimate. Actual payslips can differ.
Pay breakdown
| Monthly average | Before | After |
|---|---|---|
| Gross pay | £3,750.00 | £4,166.67 |
| Income Tax | £540.50 | £623.83 |
| National Insurance | £216.20 | £249.53 |
| Employee pension | £0.00 | £0.00 |
| Student loans | £0.00 | £0.00 |
| Take-home pay | £2,993.30 | £3,293.30 |
How this estimate works
Both salaries apply for a full year. The change to pension contributions is included.
Includes your figures. Share only with people you choose.
More about this calculation
Compare the money you will actually receive
The extra salary can cross an Income Tax band or increase student-loan deductions. We calculate both annual salaries separately and subtract their take-home amounts. Your pension percentage stays the same in both scenarios.
A mid-year pay rise is different
This compares a full year at each salary. A rise starting halfway through a year affects only the remaining pay periods. Backdated pay can also change that month’s NI and loan deductions.
Compare the whole offer
Look at working hours, commuting costs, pension contributions and paid leave alongside take-home pay. Use the two-salary comparison if the two offers have different deductions.
Worked example
With these settings, extra take-home each month is £300.00. This example stays fixed when you change the calculator.
- Annual gross salary (£)
- £45,000
- Annual pay rise (£)
- £5,000
- Income Tax region
- England, Wales or Northern Ireland
- Employee pension (% of all salary)
- 0%
- Pension method
- Net pay: before Income Tax
- Undergraduate student loan
- None
- Postgraduate loan
- No
Annual gross pay of £50,000.00 minus Income Tax of £7,486.00, NI of £2,994.40, employee pension of £0.00 and student loans of £0.00 leaves £39,519.60 for the year.
Sources & assumptions
Checked 25 October 2026
Salary estimates assume a standard Personal Allowance, employee NI category A and even monthly pay. Individual tax codes, benefits and payroll adjustments can change your payslip.
Read the calculation assumptionsHow the salary calculation works