Annual pay rise split
How the gross annual rise is split between take-home pay and deduction changes.
Annual amount
Pay Rise Calculator
Estimate what a UK pay rise really means after income tax, National Insurance, pension sacrifice, benefits, allowances, and student loans.
Your Results
Pay Rise
Monthly take-home change£262£3,143 per year
Gross pay rise£5,00010.0% on base salary
Rise kept after deductions62.9%Net rise divided by gross rise
Monthly take-home comparison
Before and after monthly take-home pay using the selected assumptions.
Monthly take-home
Before and after
Current base salary£50,000
New base salary£55,000
Taxable cash allowances£0 per month£0
Take-home before rise£3,143 per month£37,720
Take-home after rise£3,405 per month£40,862
Deduction difference
Income tax change£112 per month£1,346
Employee NI change£22 per month£261
No student loan repayment change£0 per month£0
Pension salary sacrifice change£21 per month£250
Annual taxable benefits included£0
Rules and assumptions
Rules year6 April 2026 to 5 April 20272026/27
Tax regionEngland, Wales or Northern Ireland
Personal allowance after rise£12,570
Taxable income after rise£39,680
Pension basisBase salary only
Assumptions
Calculation notes
- Uses simplified 2026/27 tax, NI, and student-loan thresholds.
- The pay rise is applied to base salary. Monthly taxable allowances and annual benefit values are held constant.
- Monthly cash allowances are treated as taxable salary for income tax, employee NI, and student-loan repayment.
- Annual benefit values are treated as taxable benefits for income tax only. They are not added to take-home cash in this simplified model.
- Does not include tax-code changes beyond taxable benefits, bonus timing, payroll rounding, employer pension matching changes, childcare vouchers, or salary-sacrifice scheme limits.
- Use payroll software or HMRC tools for exact payslip calculations.
Raise reality check
How the gross raise becomes net pay
This page focuses on the difference between the headline pay rise and the money that actually reaches monthly pay.
Before and after
The calculator builds a before-and-after employment profile using the same tax-year engine as the take-home-pay calculator.
It compares gross pay, taxable allowances, annual benefits, pension, Income Tax, National Insurance, student-loan deductions and net pay before and after the selected raise.
Raise comparisoncurrent package -> current net pay; raised package -> new net pay; difference -> net pay rise and extra deductions
10% raise example
Example: 10% pay rise
- Current gross salary: GBP 50,000
- Pay rise: 10%
- Existing allowances and benefits: optional
- Pension and student loan: selected by user
Result: The result separates the headline gross increase from the estimated extra take-home pay.
This answers what the rise really means after deductions, rather than only showing the new gross salary.
Where the raise went
- A gross percentage raise and a net percentage raise are usually different.
- Benefits, allowances and pension settings can materially change the apparent value of the raise.
Content reviewed: 7 September 2026.
Guide
Pay Rise Calculator notes
Compare current gross pay with a percentage pay rise and see the annual, monthly, and weekly take-home difference with deduction changes.
Choose the rules year that matches the scenario you are checking.
Review the calculation notes where rules, tax years, thresholds, or eligibility affect the result.
FAQs
Pay Rise Calculator FAQs
What is the Pay Rise Calculator for?
Compare current gross pay with a percentage pay rise and see the annual, monthly, and weekly take-home difference with deduction changes.