Pay Rise Calculator 2026/27
See what a change in salary means for your take-home pay. Both salaries use the same pension, tax-region and loan settings.
Your Pay Comparison
Current salary£3,293.34
New salary£3,779.83
Gross salary change: +£833.33 per month, on average (+20%).
No pension included. Tax year 2026/27.
Annual salaries: £50,000.00 → £60,000.00.
England, Wales & Northern Ireland · No student or postgraduate loan · No pension tax treatment.
| Monthly average | Current salary | New salary | Change |
|---|---|---|---|
| Reference gross salary | £4,166.67 | £5,000.00 | +£833.33 |
| Employee-funded pension | £0.00 | £0.00 | £0.00 |
| Income Tax | £623.83 | £952.67 | +£328.84 |
| National Insurance | £249.49 | £267.50 | +£18.01 |
| Student & postgraduate loans | £0.00 | £0.00 | £0.00 |
| Take-home cash | £3,293.34 | £3,779.83 | +£486.49 |
Into Your Pension
Pension savings are separate from money available to spend. Employer additions are not deducted from your cash.
| Monthly average | Current salary | New salary | Change |
|---|---|---|---|
| Employee-funded contribution | £0.00 | £0.00 | £0.00 |
| Employer addition | £0.00 | £0.00 | £0.00 |
| Total pension contribution | £0.00 | £0.00 | £0.00 |
Calculation Assumptions & Limits
One employment, full tax year, 12 monthly pay periods, Category A NI and employment income only. Income Tax is an annual estimate; monthly figures are rounded annual averages. An individual payslip can differ. Adding rounded monthly rows can produce penny differences.
Not included: bonuses, other income, benefits, custom tax codes, relief-at-source pensions, childcare and pension tax charges. Salary sacrifice depends on an employer agreement and eligibility; this calculator does not check minimum wage or affordability.
Read the full method and sources. These estimates have not received professional payroll certification.
Your comparison will appear here when the highlighted inputs are corrected.
A Worked Example, Explained
In the worked example, the headline rise is £833.33 a month. The estimated cash increase is £486.49 a month on average.
Consider a full-year employee in England, Wales or Northern Ireland, paid monthly, with no pension contributions, no student loan and no other income. These are illustrative assumptions, not a typical-worker claim.
| Annual amount | Current salary | New salary | Change |
|---|---|---|---|
| Income Tax | £7,486.00 | £11,432.00 | +£3,946.00 |
| Employee National Insurance | £2,993.88 | £3,210.00 | +£216.12 |
| Take-home cash | £39,520.12 | £45,358.00 | +£5,837.88 |
Where Did the Difference Go?
The £10,000 gross rise produces £5,837.88 more annual cash in this model. Income Tax rises by £3,946.00 and National Insurance by £216.12. The additional cash is roughly 58p per extra £1 of gross pay across these two salaries. That is a comparison result, not a universal marginal tax rate.
The higher income-tax rate applies only to the portion in that band, not suddenly to the whole salary. National Insurance follows separate monthly bands. That is why one overall “tax percentage” can be a poor shortcut for comparing offers.
What Could Change Your Answer?
A pension contribution, loan deduction or Scottish tax band can change the result. A raise partway through the tax year is also different from receiving the higher salary for all 12 months. A bonus is not modelled by this example. The tool estimates whole-year Income Tax, so an actual payslip can differ because of PAYE coding and cumulative deductions.
Use It as a Decision Check
Compare the cash increase with extra costs you would actually incur, such as travel or working from another location. Then examine pension contributions separately. The calculator does not assign value to working hours, wellbeing, job security or career prospects; a cash figure cannot settle those parts of a job decision.
Check the Sources
- GOV.UK: Income Tax bands and allowance
- GOV.UK: National Insurance rates
- HMRC: monthly thresholds for 2026/27
Figures checked for 2026/27. This is an independent estimate, not an HMRC service.
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