Pay Rise Calculator UK
Work out the real value of a pay rise for 2026/27. Enter your current and new salary to see the gross increase, how much extra take-home pay you keep after income tax and National Insurance, and whether the rise beats inflation in real terms.
Calculator
What this means
A pay rise looks bigger before tax than after. Because the extra pay is taxed at your marginal rate plus National Insurance, you keep only part of the headline figure. Inflation matters too — if prices rise faster than your salary, your spending power can still fall even after a rise.
Frequently asked questions
A basic-rate taxpayer typically keeps about 72% of a rise (after 20% income tax and 8% National Insurance), while a higher-rate taxpayer keeps around 58% (40% tax + 2% NI). This calculator works out your exact take-home increase.
A real-terms rise is your pay increase after accounting for inflation. If your salary rises 3% but prices rise 4%, you've had a real-terms pay cut because your money buys less than before.
Income tax and National Insurance are deducted from the extra pay, and a rise can push part of your income into a higher tax band. Pension contributions and student loan repayments can reduce the increase further.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, legal or tax advice. Always check official sources or speak to a qualified professional before making decisions.
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