2026/27 tax year
UK pay-rise calculator
Turn a headline pay rise into the extra amount likely to reach your bank account each month.
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How to use the pay-rise calculator
- Enter your current annual salary and your proposed new annual salary.
- Adjust pension and student-loan settings to match your circumstances.
- Review the extra annual and monthly take-home pay, the deductions from the increase, and the amount you keep from each extra £1.
Why a pay rise may feel smaller than expected
The additional part of your salary can be taxed differently from your overall salary. Income Tax, National Insurance, pension contributions and student-loan repayments may all increase. At higher incomes, the reduction in Personal Allowance above £100,000 can also raise the effective tax rate on part of an increase.
Important limits
This is a 2026/27 planning estimate for PAYE employees in England, Wales and Northern Ireland. It does not cover bonuses, benefits, multiple jobs, Scottish or Welsh tax, special tax codes, or employer-specific deductions.
The estimate is based on HMRC's Income Tax guidance and National Insurance guidance.
Guides
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Cumulative vs non-cumulative PAYE — understand why a tax code can change what is deducted from your payslip.
Why has my take-home pay gone down? — identify the likely cause of a smaller payment and what to check.