Pay rise calculator
Work out what a pay rise adds to your take-home pay each month, after tax and deductions.
2026 to 2027 rates from HMRC, checked 13 November 2026.
Result
A rise to £31,500.00 adds £90.00 a month to your take-home pay.
more take-home pay a month, 2026 to 2027
| New salary | £31,500.00 |
|---|---|
| Rise before tax | £1,500.00 (5%) |
| Take-home now, a month | £2,093.45 |
| Take-home after, a month | £2,183.45 |
| Extra take-home a year | £1,080.00 |
You keep 72% of the rise. The rest goes in tax, National Insurance and other deductions.
Show the workings
| Step | Sum | Answer |
|---|---|---|
| Tax-free pay from tax code 1257L | £12,570.00 allowance, which code 1257L covers up to £12,579.00 | £12,579.00 |
| Taxable pay | £31,500.00 − £12,579.00 | £18,921.00 |
| Basic rate | £18,921.00 × 20% | £3,784.20 |
| National Insurance | £18,930.00 above £12,570.00 × 8% | £1,514.40 |
| Take-home pay | £31,500.00 − £3,784.20 tax − £1,514.40 National Insurance | £26,201.40 |
What this leaves out or assumes
- England, Wales and Northern Ireland Income Tax rates, a standard Personal Allowance and National Insurance category A.
- Tax-free pay follows the tax code, as payroll and HMRC's own take-home pay estimator do: code 1257L gives £12,579 a year, not £12,570, which is up to a few pounds less tax.
- Worked out over the whole tax year. Payroll works out each payday on its own, so a monthly or weekly payslip can differ by a few pence, or by more in a month with a bonus.
Where the figures come from
- Personal Allowance, 2026 to 2027: £12,570 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Range of allowances each tax code number covers: £10. Source: HMRC PAYE Manual PAYE11065: suffix codes, calculating the number. Checked 13 November 2026.
- Basic rate of Income Tax (England, Wales and Northern Ireland): 20%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Basic rate band: taxable income it covers (England, Wales and Northern Ireland): £37,700 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Higher rate of Income Tax (England, Wales and Northern Ireland): 40%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Taxable income above which the additional rate applies (England, Wales and Northern Ireland): £125,140 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Additional rate of Income Tax (England, Wales and Northern Ireland): 45%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- National Insurance primary threshold: £12,570 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- National Insurance upper earnings limit: £50,270 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Employee National Insurance between the primary threshold and upper earnings limit (category A): 8%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Employee National Insurance above the upper earnings limit (category A): 2%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
What a rise is worth after tax
| Rise | Before tax a year | Take-home a month |
|---|---|---|
| 3% on £25,000 | £750.00 | £45.00 |
| 5% on £30,000 | £1,500.00 | £90.00 |
| 4% on £40,000 | £1,600.00 | £96.00 |
| 5% on £50,000 | £2,500.00 | £124.13 |
| 3% on £60,000 | £1,800.00 | £87.00 |
| 5% on £100,000 | £5,000.00 | £158.33 |
Most of a rise reaches you, but not all. On the basic rate you keep 72p of each extra pound, after 20% tax and 8% National Insurance. On the higher rate it is 58p, and between £100,000 and £125,140, where the Personal Allowance is lost, it is 38p. A student loan takes another 9p of each pound above the threshold.
Is my rise above inflation?
A rise keeps up with prices only if it is at least as big as inflation over the same year. The Office for National Statistics publishes inflation figures each month.