Pay rise calculator UK 2026/27

Compare a pay rise after tax

Enter your current and proposed annual gross salaries. The calculator estimates the current net pay, proposed net pay and the annual and monthly difference after standard rUK Income Tax, employee National Insurance, and any selected pension or student-loan assumptions. It is more useful than comparing only the gross increase.

The calculation assumes the same pension percentage and student-loan plan before and after the pay rise. If either changes, run separate scenarios instead of treating the result as a payroll forecast.

Use like-for-like inputs

• Use guaranteed annual gross salary, not a possible bonus or overtime total.
• Keep the same tax-year, pension and loan inputs for both figures.
• Check whether the new salary changes contracted hours, paid weeks, allowances or holiday entitlement.
• Use salary to hourly if the workload changes as well as the salary.

Why a gross pay rise is not the same as a net pay rise

Income Tax, employee National Insurance and student-loan repayments use different thresholds and rates. A rise can therefore produce a smaller monthly net increase than a simple percentage suggests. Above £100,000 of adjusted net income, the standard Personal Allowance begins to reduce. The calculator makes no claim to reproduce a personal PAYE calculation.

Compare the whole employment offer

A pay rise can come with a changed pension contribution, commute, hours, unpaid overtime expectation or bonus structure. List these alongside the net estimate. If a bonus is part of the proposal, test it separately with the bonus tax scenario calculator because bonus timing can affect a real payslip.

Pay rise calculator questions