What a pay rise is really worth

The take-home value of a raise after tax.

Your details

Your result

Extra take-home per month£170£2,040 a year · £39 a week
  • You keep68%£2,040
  • Tax, NI and loan27%£810
  • Pension, from your pay5%£150
Take-home without it£30,720
Take-home with it£32,760
Share you keep68.0%
Extra into your pension a year£150
Show the working
Income tax and NI on your new total of £43,000
Personal allowance£12,570
Taxable income: £40,850 − £12,570£28,280
Income tax 20% on £28,280£5,656
NI 8% on £30,430£2,434
Assumptions and limits

Near £50,270 and £100,000 you keep less of each extra pound than you might expect. Your pension contribution is assumed to rise with your pay.

Sources: Income Tax rates · National Insurance rates · Student loan repaymentsTax year 2026/27

Common questions

Can a pay rise leave me worse off?

Not through income tax and National Insurance alone. But crossing £60,000 starts the Child Benefit charge, and crossing £100,000 can cost you Tax-Free Childcare and funded childcare hours, which can outweigh the rise.

Why do I keep less above £50,270?

Below it you pay 20% tax and 8% National Insurance, so you keep 72p of each extra pound. Above it you pay 40% and 2%, so you keep 58p.

How we calculate

Every calculator uses the published 2026/27 rates from one shared set of rules, so when a rate changes, it changes everywhere.

Where rates come from

Tax, National Insurance, student loan, benefit and property tax rates come from GOV.UK. Each calculator links to its sources.

What we don’t cover

Scottish income tax bands, tax codes other than 1257L, benefits in kind and your personal circumstances. Results are estimates to help you plan, not a payslip or advice.