Pay Rise Calculator 2026/27
A £3,000 rise is not £250 a month. Enter your current and new salary to see what actually lands in your bank — and what tax, NI and pension take.
- Rates: GOV.UK — checked 5 Nov 2026
- Tested against HMRC worked examples
- Your salary never leaves your browser
Or enter the rise as a percentage below — it fills in the new salary for you.
Assumes the usual auto-enrolment pension (5% of qualifying earnings) on both salaries, so the comparison is like-for-like.
Your rise, in your bank account
— extra / month
- Extra / year
- —
- You keep
- —
- New take-home / month
- —
| Gross rise | — |
|---|---|
| Extra income tax | — |
| Extra National Insurance | — |
| Extra pension | — |
| Extra student loan | — |
| Extra take-home | — |
We could not load the 2026/27 rates. Please check your connection and refresh the page.
Rates checked 5 November 2026.
Every figure checked against HMRC's own examples.
Your salary never leaves your browser.
Rates re-checked by hand after every Budget.
Rates: GOV.UK — last checked 5 November 2026 See the official rates
How this is calculated
Both salaries are run through the same engine as the take-home pay calculator — income tax, National Insurance, student loan and auto-enrolment pension — and the difference is the answer. The percentage kept is the extra take-home divided by the gross rise. Warnings fire when the rise crosses into the higher-rate band (taxable pay above £37,700), into the £100,000 personal-allowance taper, or past the point where the allowance disappears entirely (£125,140). Rates on the 2026/27 rates page.
Examples — what rises are really worth
| Rise | Extra take-home / year | Extra / month | You keep |
|---|---|---|---|
| £35,000 → £37,000 | £1,360.00 | £113.33 | 68% |
| £35,000 → £38,000 | £2,040.00 | £170.00 | 68% |
| £50,000 → £52,000 | £1,533.00 | £127.75 | 76.7% |
| £60,000 → £62,000 | £1,160.00 | £96.67 | 58% |
Auto-enrolment pension at 5% of qualifying earnings, no student loan. The £35,000 → £38,000 row is the §13 cross-tool check: the main calculator gives the same £2,040.00 a year, £170.00 a month, to the penny.
Questions
How much of a £3,000 pay rise do I actually keep?
On a £35,000 salary, a £3,000 rise to £38,000 adds £2,040.00 a year to your take-home — £170.00 a month, not £250. You keep 68% of the rise: £570.00 goes to income tax, £240.00 to National Insurance and £150.00 to extra pension.
Why is a £2,000 rise not worth £166 a month?
Because the rise is taxed like any other pay. At £35,000 you keep 68% of a £2,000 rise (£113.33 a month); at £50,000 you keep 76.7% (£127.75 a month, because National Insurance drops to 2% above £50,270); at £60,000 you keep only 58% (£96.67 a month) because the whole rise is taxed at 40%.
Can a pay rise leave me worse off?
Almost never in cash terms — you always keep something. But a rise can push you into the 40% band, into the £100,000 personal-allowance taper (where the marginal rate is effectively 60%), or over a benefit or student-loan threshold. The calculator warns you when your rise crosses one of those lines.
Does my student loan change what I keep from a rise?
Yes. A Plan 2 loan takes another 9% of the rise above the £29,385 threshold, so a basic-rate taxpayer with Plan 2 keeps about 59% of a rise instead of 68%. Tick your plan above to see your own figure.
Is my pay sent anywhere?
No. The calculator runs entirely in your browser. No figure you enter is sent to a server, stored, or shared.
Related calculators
Take-home pay calculator · Income tax calculator · Bonus tax calculator · Overtime calculator · Employer cost calculator · What a £2,000 rise really puts in your pocket · 2026/27 rates