Pay rise calculator · 2026/27
How much of your pay rise do you actually keep?
Compare your old and new salary to see the real difference in your bank each month, after tax, National Insurance, student loan and pension.
Your pay rise
Take home now–
Take home after–
Extra gross pay–
Extra Income Tax–
Extra National Insurance–
Extra student loan–
Extra pension–
Extra take home a month–
Why you keep less than you expect
Every extra pound is taxed at your highest rate, not your average one. On a typical salary in England you keep 72p of each extra pound: 20% goes in Income Tax and 8% in National Insurance. Add a Plan 2 student loan and you keep 63p.
| Where you are | Example salary | Kept from each extra £1 |
|---|---|---|
| Basic rate (England, Wales, NI) | £40,000 | 72p |
| Basic rate with Plan 2 student loan | £40,000 | 63p |
| Higher rate | £70,000 | 58p |
| Higher rate with Plan 2 student loan | £70,000 | 49p |
| 60% tax trap | £110,000 | 38p |
| Scotland, intermediate rate | £35,000 | 71p |
| Scotland, higher rate below £50,270 | £47,000 | 50p |
The worst spot is between £100,000 and £125,140, where you lose your tax-free allowance and keep only 38p of each extra pound. Read about the 60% tax trap. Paying more into your pension through salary sacrifice is one way to keep more of a rise.