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What is your pay rise worth after tax?

Compare your current and proposed salaries with the same pension, loan and tax assumptions.

Explore a pay rise or pay cut

Current annual gross salary (£)

Proposed annual gross salary (£)

Assumptions for both salaries

Tax year

Where you live for tax

Pension method

Student loan

Include a loan only if repayments apply to these scenarios.

Postgraduate loan

Uses the standard Personal Allowance, tapered where applicable, and the same assumptions for both salaries. Annual estimates assume steady employment income. Monthly figures are annual estimates divided by 12.

Child Benefit tax charges and benefits-entitlement changes are not included. Relief-at-source figures exclude extra higher-rate relief claimed separately. A changing tax code, variable pay or payroll rounding can change your payslip.

Changing jobs too? Include commuting costs and time. For different tax codes or individual assumptions, use the full salary comparison.

Sources and assumptions

Uses employment income, standard employee National Insurance and the standard Personal Allowance, tapered where applicable. Tax residency affects the income-tax bands. Annual estimates do not reproduce every pay period or cumulative PAYE history.

Sources and this comparison checked 24 October 2026. For historical rates and calculation limits, see the methodology. This is an estimate, not an independent professional review of your circumstances.