United Kingdom
United Kingdom Pay rise calculator
See how much of a pay rise you actually keep after income tax and social contributions. Enter your current salary and the raise to get your take-home increase, the keep rate and your marginal deduction.
| Gross pay rise | £3,000 |
| Lost to tax and contributions28% marginal rate | - £840 |
| Take-home from the rise | £2,160 |
Compares take-home pay before and after the raise using the local income tax and social contribution rules. Excludes pension, student loan and benefit tapers.
How it works
- Enter your current gross annual salary.
- Enter the gross pay rise you have been offered or are negotiating.
- The calculator runs both figures through the local tax and contribution rules and compares the take-home pay.
Worked example
A 40,000 salary with a 3,000 rise: the calculator shows how much of the 3,000 reaches your pocket after tax and contributions, and the rate you keep on the increase.
Frequently asked questions
Why do I keep so little of my raise?+
A raise is taxed at your marginal rate, the rate on your top slice of income, which is higher than your average rate. Crossing into a higher band, or losing an allowance, can push the marginal deduction well above the headline rate.
Does this include pension or student loan?+
No. It covers income tax and the main social contributions for the country. Pension contributions, student loan repayments and benefit tapers can change what you keep, so treat it as a guide.
Last updated: 2026
This is an estimate for general guidance, not financial, tax, legal or medical advice. Figures can change and individual circumstances vary. Always confirm with the official sources listed before making decisions.
- Compares take-home pay before and after the raise using the local income tax and social contribution rules. Excludes pension, student loan and benefit tapers.
Reviewed by Vikas Dulgunde.