Pay Rise Calculator UK
Calculate how much extra take-home pay you'll get from a pay rise. See the real impact after tax, NI, and pension deductions for 2026/27.
How much of my pay rise will I actually keep?
The amount you keep depends on your tax bracket. Basic rate taxpayers (£12,571-£50,270) keep about 68% after 20% tax and 8% NI. Higher rate taxpayers (£50,271-£125,140) keep about 58% after 40% tax and 2% NI. Additional rate taxpayers keep about 53%.
Will my pay rise push me into a higher tax bracket?
You only pay the higher rate on income ABOVE the threshold, not your entire salary. So if a pay rise takes you from £49k to £52k, only £1,730 (the amount over £50,270) is taxed at 40%, not your whole salary.
Should I sacrifice my pay rise into my pension?
Salary sacrificing your pay rise into a pension can be tax-efficient. You avoid both income tax (20-45%) and National Insurance (8%) on the sacrificed amount. Plus your employer saves 15% NI which they may pass on. The downside is you can't access it until retirement.
How do I negotiate a pay rise?
Research market rates for your role using salary surveys. Document your achievements and value to the company. Time your request after successful projects or during annual reviews. Be specific about what you want and be prepared to negotiate.
Is a pay rise better than a bonus?
Generally yes - a pay rise compounds over time and affects future pension contributions, whereas a bonus is a one-time payment. However, bonuses can sometimes be tax-efficient if salary sacrificed. A £5k pay rise adds £5k+ every year; a £5k bonus is one payment.