United Kingdom · 2026/27
United Kingdom Pay rise calculator
See how much of a UK pay rise you actually keep after Income Tax and National Insurance.
| Gross pay rise | £2,700 |
| Lost to tax and contributions28% marginal rate | - £756 |
| Take-home from the rise | £1,944 |
Compares take-home pay before and after the raise using the local income tax and social contribution rules. Excludes pension, student loan and benefit tapers.
A raise is taxed at your marginal rate, the rate on your top slice of income, so the headline increase and the amount that reaches your bank account can be very different. Cross from the basic-rate band into the 40% higher-rate band above £50,270, or start losing your Personal Allowance above £100,000, and each extra pound is taxed more heavily. Enter your current salary and the raise to see your take-home increase, the percentage you keep on the rise, and your marginal deduction for the 2026/27 tax year.
How it works
- Enter your current gross annual salary.
- Enter the gross pay rise you have been offered or are negotiating.
- The calculator runs both figures through the UK Income Tax bands and Class 1 National Insurance and compares the take-home pay.
- The difference is what the raise actually adds after tax and National Insurance, shown as money kept and as a keep rate.
Worked example
A £48,000 salary with a £5,000 rise: part of the raise is taxed in the 20% basic-rate band, but the slice above £50,270 is taxed at 40% plus 2% National Insurance, so you keep noticeably less of the top portion than the headline £5,000 suggests.
Frequently asked questions
Why do I keep so little of my UK pay rise?+
Because a raise is taxed at your marginal rate. Once income passes £50,270 the rate jumps from 20% to 40%, and National Insurance applies on top, so the extra pounds are taxed harder than your average rate.
What is the £100,000 trap?+
Above £100,000 your £12,570 Personal Allowance tapers away by £1 for every £2 earned, creating an effective 60% marginal rate between £100,000 and £125,140. A raise in that band keeps far less than the headline figure.
Does this include pension or student loan?+
No. It covers Income Tax and Class 1 National Insurance only. Pension contributions and student loan repayments come out separately and change what you keep, so treat the result as a guide.
Sources
- Income Tax rates and Personal Allowances · GOV.UK
- National Insurance rates and categories · GOV.UK
- Rates and thresholds for employers 2026 to 2027 · HMRC
- Scottish Income Tax: rates and bands 2026 to 2027 · Scottish Government
Last updated: 2026-04-06 · Applies to 2026/27
This is an estimate for general guidance, not financial, tax, legal or medical advice. Figures can change and individual circumstances vary. Always confirm with the official sources listed before making decisions.
- Compares UK take-home pay before and after the raise using Income Tax bands and Class 1 National Insurance for 2026/27. Excludes pension, student loan and benefit changes.
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