How much of a £1,000 pay rise do you keep?
Compare the take-home value of a £1,000 pay rise by salary, UK tax region and student-loan deductions in 2026/27.
32 modelled scenarios · CSV, JSON and chart
Open pay data · 2026/27
UK pay research
Reproducible comparisons of how tax, pensions and student loans affect employee take-home pay. Every study includes assumptions, official sources and reusable data.
Scotland vs the rest of the UK: take-home pay
Compare Scottish take-home pay with England, Wales and Northern Ireland at selected salaries using 2026/27 Income Tax and NI rates.
16 modelled scenarios · CSV, JSON and chart
Pension methods: compare the cost to take-home pay
Compare a 5% gross pension contribution through net pay, relief at source and salary sacrifice using 2026/27 UK tax rates.
30 modelled scenarios · CSV, JSON and chart
Student-loan plans: compare take-home pay
Compare annual student-loan deductions and monthly take-home pay for Plans 1, 2, 4, 5 and postgraduate loans in 2026/27.
35 modelled scenarios · CSV, JSON and chart
UK take-home pay by salary
Annual and monthly take-home pay, effective deductions and marginal rates from £15,000 to £200,000.
How to use these comparisons
These are calculations from published rules, not a survey of employees or observed payslips. Use them for a stated scenario and follow the calculator links to adjust the inputs. Differences in tax codes, pay periods and pension schemes can change a real result.
Read the calculation methodology, editorial policy and corrections history. Our original comparison data and charts are available under Creative Commons Attribution 4.0; official sources retain their own terms.