Calculator
Pay rise calculator
Estimate the real gain from a raise, not just the headline gross figure.
Leave this on no student loan if you do not repay a student loan through payroll.
Choose the single plan that applies to this estimate. Plan 5 is supported. Combined undergraduate and postgraduate deductions are not yet modelled in the calculators.
Gross increase
£5,000
Annual take-home increase
£3,600
Monthly take-home increase
£300
Retention of the raise
£3,600
72%
Take-home after raise
£35,920
Monthly take-home after
£2,993
Income tax after
£6,486
NI after
£2,594
Extra student loan
£0
No student loan selected.
What this means
A raise increases take-home pay, but the monthly gain is usually smaller than the headline gross increase suggests.
The annual gain of GBP 3,600 works out to roughly GBP 300 a month.
The calculator uses annual tax bands rather than period-by-period payroll withholding.
FAQ
Short answers to the questions that usually matter once you have the first result.
Why does my raise feel smaller than expected?
Because only the extra slice is taxed at your marginal rates, not your average rate.
Should I compare monthly or annual impact?
Both. Monthly helps with budgeting, while annual is better for compensation decisions.
Key assumptions and limitations
The calculator focuses on the change between two annual salary levels. It does not model employer pension matching changes, equity, or payslip-by-payslip withholding patterns during the year.
Next steps
Go deeper with one strong guide, one worked example, or one related calculator rather than juggling several weak next-step prompts.
Want to keep this result?
Keep it in your workspace if you want to compare it against another scenario, add notes on trade-offs, or come back before making a decision.
Related calculators
These calculators complement the one above. Use them to explore a different angle on the same pay decision.