Pay rise calculator
Compare your old and new salary to see what a pay rise is worth in your bank account each month.
- Basic rate taxpayer keeps
- 72p per £1
- Higher rate taxpayer keeps
- 58p per £1
- Between £100,000 and £125,140
- 38p per £1
- Additional rate keeps
- 53p per £1
- HMRC 2026/27 rates
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What a pay rise is worth after tax
| Rise | Before tax | After tax a year | After tax a month | Kept per £1 |
|---|---|---|---|---|
| £25,000 to £27,000 | £2,000 | £1,440.00 | £120.00 | 72p |
| £30,000 to £33,000 | £3,000 | £2,160.00 | £180.00 | 72p |
| £40,000 to £45,000 | £5,000 | £3,600.00 | £300.00 | 72p |
| £48,000 to £55,000 | £7,000 | £4,377.80 | £364.82 | 63p |
| £95,000 to £105,000 | £10,000 | £4,800.00 | £400.00 | 48p |
| £120,000 to £130,000 | £10,000 | £4,529.00 | £377.42 | 45p |
What you keep from each extra £1
Close to £100,000?
A rise that takes you past £100,000 is taxed at 62% until £125,140. A bigger pension contribution can keep more of it.
Questions people ask
Why is my pay rise smaller after tax?
The extra pay is taxed at your highest rate. A basic rate taxpayer keeps 72p of each extra pound after 20% tax and 8% National Insurance. A higher rate taxpayer keeps 58p.
What is the 60% tax trap?
Between £100,000 and £125,140 you lose £1 of personal allowance for every £2 you earn, so each extra pound is taxed at an effective 60% plus 2% National Insurance. Paying more into a pension can pull your income back below £100,000.
How do I work out a pay rise percentage?
Divide the rise by your old salary and multiply by 100. Going from £30,000 to £33,000 is a £3,000 rise, which is 10%.