Enter your current gross salary and the size of your rise. See your new take-home pay and the real gain — per year and per month — after Income Tax and National Insurance. No sign-up.
⚖︎ Results are for informational purposes and do not constitute tax advice. For specific situations, consult a licensed accountant or the relevant tax authority.
iHow it is calculated
A pay rise is quoted on your gross salary, but only part of it reaches your bank account. Every extra pound is taxed at your marginal rate — Income Tax plus National Insurance on the top slice of your pay. Below £50,270 that is 20% + 8% = 28%, so you keep about 72p in the pound. Above £50,270 it is 40% + 2% = 42%, so you keep 58p. Between £100,000 and £125,140 the Personal Allowance tapers away and the effective rate is about 62%. This tool compares your current take-home with the take-home after the rise, then shows the real annual and monthly gain.
take-home gain = net(gross × (1 + rise%)) − net(gross) · per month = gain ÷ 12
You earn £35,000 and get a 10% rise → new gross £38,500. Your current take-home is about £28,720; the new take-home is about £30,520. The £3,500 gross rise only adds about £1,800 a year to your pay — roughly £150 a month — because 20% Income Tax and 8% National Insurance come off every extra pound. You keep about 72% of the rise, not all of it.
?Frequently asked questions
How much of a pay rise do I actually keep in 2026/27?
Below the £50,270 higher-rate threshold you keep about 72p of every extra pound: 20% Income Tax and 8% National Insurance come off the top slice. So a £3,500 gross rise on a £35,000 salary adds roughly £1,800 to your take-home, not the full £3,500.
What is my new take-home after a 10% rise on £35,000?
A 10% rise takes £35,000 to £38,500 gross. Current take-home is about £28,720 a year; the new take-home is about £30,520. That is a gain of roughly £1,800 a year, or about £150 a month.
Why is my take-home gain smaller than the gross rise?
The headline rise applies to gross pay, but Income Tax and National Insurance are charged on it. At the basic rate that is 20% + 8% = 28%, so you keep about 72%. The higher your income, the more of each extra pound is taxed away.
What happens if my rise crosses the £50,270 higher-rate band?
The part of your new salary above £50,270 is taxed at 40% Income Tax plus 2% National Insurance — 42% in total — so you keep only 58p in the pound on that slice. A rise that pushes you over £50,270 delivers less net benefit on the amount above the threshold. For example, take-home rises from about £39,520 at £50,000 to about £45,357 at £60,000.
How does the £100,000 taper affect a pay rise?
Between £100,000 and £125,140 the Personal Allowance is withdrawn by £1 for every £2 you earn, so each extra pound is effectively taxed at about 62% (40% + 2% NI plus the lost allowance). A rise inside that band can be worth surprisingly little after tax — sometimes barely a third of the gross increase.
How do I work out the monthly value of my rise?
Take the annual take-home gain and divide by 12. On the £35,000 → £38,500 example, the ~£1,800 yearly gain is about £150 a month. This tool shows the per-month figure automatically.
Does a pay rise below inflation still leave me better off?
In cash terms yes, but in real terms maybe not. If prices rise faster than your take-home, your money buys less than before. Compare the percentage gain in your take-home against the inflation rate, not the headline gross rise, to see if you are really ahead.
Is a bigger rise always proportionally better?
Not once it crosses a threshold. A rise that stays under £50,270 keeps about 72% net, but the part pushed above £50,270 keeps only 58%, and anything in the £100k–£125,140 taper keeps about 38%. The net value per extra pound falls as you move up the bands.
Should I compare a pay rise against a bonus or a pension top-up?
A rise is permanent and pensionable, but taxed at your marginal rate now. Salary sacrifice into a pension can convert part of a rise into tax-free and NI-free savings. If you are near £50,270 or £100,000, sacrificing part of the rise can keep you under a threshold and protect more of it.
Are these take-home figures exact?
They are annual estimates for 2026/27 in England, Wales and Northern Ireland, using the Personal Allowance, Income Tax and National Insurance. They exclude student loans, pension deductions and Scottish tax bands. Your payslip may differ slightly because PAYE is worked out cumulatively each pay period.