2026/27 · UK employees
Salary and pay rise comparison calculator
Compare two annual salaries to see the change in take-home pay, including a rise that crosses tax bands or the Personal Allowance taper.
Annual take-home difference
£720.00
Equivalent monthly difference: £60.00.
- Annual take-home at current salary
- £32,319.60
- Annual take-home at new salary
- £33,039.60
2026/27; standard Personal Allowance with taper, employee NI below State Pension age, no other income, tax-code adjustments or Child Benefit charge. Both salaries use the same region, loan plan and pension percentage. Pension amounts change with salary. Relief-at-source results exclude additional separately claimed tax relief. Salary sacrifice must meet employer and minimum-wage rules.
Why is the increase smaller than the pay rise?
A rise can attract Income Tax, NI and loan deductions. Pension contributions may increase too. Above £100,000, the loss of Personal Allowance can increase the marginal deduction rate. This tool calculates each complete annual scenario before taking the difference.
A worked example
In England, Wales and Northern Ireland, a rise from £40,000 to £41,000 leaves £720 more per year, or £60 per month, with no pension or student loans and the standard allowance. The £1,000 increase attracts £200 Income Tax and £80 employee NI.
Compare £1,000 rises across salaries and regions · Read the calculation methodology · Estimate a one-off annual bonus