Pay rise calculator
United Kingdom · 2026/27 tax yearA pay rise is never quite as big once tax and deductions come off. Enter your current and new salary to see the real difference in your monthly pay.
Why you don't keep all of a pay rise
Every extra pound you earn is taxed at your highest rate. For a basic-rate taxpayer in England, that means 20% income tax and 8% National Insurance, so you keep 72p of each extra £1. If you also repay a student loan, another 9p goes, leaving 63p.
| Your income (England, Wales, NI) | You keep of each extra £1 |
|---|---|
| £12,571 to £50,270 | 72p (20% tax + 8% NI) |
| £50,271 to £100,000 | 58p (40% tax + 2% NI) |
| £100,001 to £125,140 | 38p (60% effective tax + 2% NI) |
| Over £125,140 | 53p (45% tax + 2% NI) |
Is a pay rise worth it if it pushes me into a higher tax band?
Yes. Only the part of your income above the threshold is taxed at the higher rate, so you never take home less overall because of a pay rise. The one exception to watch is income between £100,000 and £125,140, where you lose your personal allowance; paying more into your pension can help.
Frequently asked questions
How much is a 5% pay rise on £30,000 after tax?
A 5% rise takes £30,000 to £31,500. For a basic-rate taxpayer in England with no pension or student loan, that is about £1,080 a year, or £90 a month, extra after tax and National Insurance.
Will my pay rise affect my student loan?
Yes. Repayments are 9% of what you earn above your plan's threshold, so they go up when your pay goes up.
Last checked and updated: October 2026 (2026/27 tax year)