United Kingdom · Updated for 2026/27
Pay rise calculator 2026/27
A rise from £48,000 to £53,000 adds £268.15 a month to your take-home: £3,217.80 a year. 35.6% of the £5,000 rise goes in tax and National Insurance, because £2,730 of it is over the £50,270 higher-rate threshold.
Type your salary now and your new salary, or the rise as a percentage.
£48,000 to £53,000 · England, Wales or Northern Ireland · no student loan
£268.15 a month more take-home
£3,217.80 a year from a £5,000 rise: 35.6% of it goes in deductions
| Before | After | Change | |
|---|---|---|---|
| Income tax | £7,086.00 | £8,632.00 | £1,546.00 |
| National Insurance | £2,834.40 | £3,070.60 | £236.20 |
| Take-home a year | £38,079.60 | £41,297.40 | £3,217.80 |
| Take-home a month | £3,173.30 | £3,441.45 | £268.15 |
Worth knowing
Part of the rise is taxed at the higher rate.
Worth knowing
National Insurance falls from 8% to 2% above £50,270.
How much of a pay rise do I keep?
It depends on where the rise lands. Each part of your pay is taxed at the rate of its band, so what matters is the rate on the top slice, not your average rate. In England, Wales and Northern Ireland, with no student loan, each extra £1 of salary costs:
| Salary | Goes in tax and NI | You keep |
|---|---|---|
| £12,570 to £50,270 | 28% | 72p in every £1 |
| £50,270 to £100,000 | 42% | 58p in every £1 |
| £100,000 to £125,140 | 62% | 38p in every £1 |
| Over £125,140 | 47% | 53p in every £1 |
What is the 60% trap?
Between £100,000 and £125,140, your Personal Allowance shrinks by £1 for every £2 you earn, so the tax on each extra pound is far higher than the higher rate. A rise into that range keeps much less than you might expect. Paying more into your pension can bring your income back under £100,000: our guide to the 60% trap explains how.
What else changes with a rise?
A student loan takes 9% of pay over its threshold, so it takes the same share of a rise. In Scotland the bands are different, and the higher rate starts at £43,662: choose Scotland in the calculator. For a one-off payment instead of a rise, use the bonus tax calculator.
What else can I work out?
- Bonus tax calculator How much of a bonus you keep, the bonus month payslip, and the 60% trap.
- Hourly wage calculator An hourly rate to a yearly salary and take-home pay, and back again.
- Salary sacrifice calculator Pension by salary sacrifice, net pay or relief at source: take-home and pension compared.
- Salary calculator Take-home pay on any salary, with tax codes, Scotland, pensions and student loans.
Every UK tool on one page: salary and tax tools. How the rules work: UK pay and tax guides.
Questions about pay rises
How much of a £1,000 pay rise will I keep?
On £30,000, £720.00: £60.00 a month. Higher up you keep less of each pound, as the table above shows.
What is the effective tax rate on a pay rise?
The share that goes in income tax, National Insurance and student loans: 28% on pay from £12,570 to £50,270, 42% on pay from £50,270 to £100,000, 62% on pay from £100,000 to £125,140, 47% on pay over £125,140, in England, Wales and Northern Ireland, with no student loan.
Can a pay rise leave me worse off?
Not through income tax, National Insurance or student loans: none of them takes the whole rise. But benefits such as Universal Credit, and the High Income Child Benefit Charge, can take a bigger share. They are not in this calculator.
Why is my first payslip after the rise different?
If the rise is backdated, the first payslip carries the arrears too. PAYE adds up the tax year so far, so that month can show more tax than later months.
Does a pay rise change my student loan repayments?
Yes. You repay 9% of your pay over your plan’s threshold (6% for a Postgraduate Loan), so the same share of the rise goes to the loan. The student loan repayment calculator shows how that changes when the loan is paid off.