IsMyPayRight

Updated for the 2026/27 tax year.

Real Offer Net

Is the longer commute worth it?

Compare two offers by the money you keep and the time you give. Start with the journey, then add pay.

Offer A

Include tickets, fuel, parking and tolls.

Add all outward and return journeys.

Annual salary includes paid leave.

Time actually spent working, including regular unpaid overtime.

46.4 assumes 52 weeks less 5.6 weeks’ leave. Edit for your situation.

Optional pension

Relief at source uses the amount you pay before the provider adds tax relief. Ordinary net-pay pension arrangements and qualifying-earnings percentages are not modelled. Use a known monthly amount where appropriate. Additional higher-rate relief claimed separately is excluded.

Offer B

Include tickets, fuel, parking and tolls.

Add all outward and return journeys.

Annual salary includes paid leave.

Time actually spent working, including regular unpaid overtime.

46.4 assumes 52 weeks less 5.6 weeks’ leave. Edit for your situation.

Optional pension

Relief at source uses the amount you pay before the provider adds tax relief. Ordinary net-pay pension arrangements and qualifying-earnings percentages are not modelled. Use a known monthly amount where appropriate. Additional higher-rate relief claimed separately is excluded.

A bigger salary can leave less after travel

In our illustrative Derby commute comparison, £40,000 with £20 a week of travel leaves about £9.33 more monthly cash than £45,000 with £100 a week of travel. The second offer also takes eight more work-and-travel hours a week. These are example costs, not live fares.

The example assumes England 2026/27, no pension or student loan, and 46.4 working and commuting weeks. The default weeks use 5.6 weeks’ statutory leave; edit them for your own working pattern.

Sources and assumptions

Standard employee National Insurance and employment income only. England is the default; Scotland has different income-tax bands. Tax years run from 6 April to 5 April. Estimates do not replace your tax code, payslip or HMRC assessment.

Methodology reviewed 23 September 2026. Results are estimates, not financial advice.