Pay rise calculator
How much of a raise do you actually keep? Enter your current and new salary to see the change in take-home pay after income tax and social contributions, using each country’s official rules.
Extra take-home pay
+£2,520
a year · +£210 a month
Of your £3,500 rise you keep 72%; the other 28% goes on tax and contributions.
| Item | Now | After rise | Change |
|---|---|---|---|
| Gross salary | £35,000 | £38,500 | +£3,500 |
| Income Tax | −£4,486 | −£5,186 | −£700 |
| National Insurance | −£1,794 | −£2,074 | −£280 |
| Take-home pay | £28,720 | £31,240 | +£2,520 |
United Kingdom, 2026/27 tax year, the calculator’s default settings (England, Wales & N. Ireland). Open the full United Kingdom calculator →
Questions
- How much of a pay rise do I keep after tax?
- Only the extra pay is taxed at your marginal rate, the combined rate of income tax and social contributions on your next unit of pay. Your existing salary is taxed exactly as before. Enter your current and new salary to see the difference to the month.
- Can a pay rise leave me worse off?
- In most systems, no: higher rates apply only to the part of your pay above each threshold. A few rules work as cliffs instead, such as the Irish USC exemption, where crossing a line can cost more than a very small rise. The calculator shows the true change, cliffs included.
- Why is my marginal rate higher than my tax band?
- Because allowances and credits are withdrawn as income rises. In the UK, the personal allowance tapers away between £100,000 and £125,140, so each extra pound there loses about 62% to income tax and National Insurance.
UK earner near £100,000? Read the £100k tax trap. Estimates for guidance, not tax advice; how we calculate.