Pay rise calculator

See what your pay rise actually puts in your pocket.

Enter a percentage or fixed increase and Netly Pay estimates your new salary, annual take-home increase and the extra amount reaching your bank each month.

2026/27Percentage or £ increaseScotland supportedStudent loansSalary sacrifice

Your new gross salary

£0

Enter a pay rise to see the estimated difference.

Gross increase£0

Extra net / year£0

Extra net / month£0

You keep of rise0%

Before vs after

Current monthly net
£0

→

New monthly net
£0

Read the result as a before-and-after comparison

The most useful figure is the change in estimated take-home, not the gross percentage alone. A rise can cross a tax band or increase student-loan deductions, while salary sacrifice can change the taxable amount. The calculator therefore runs the old and new salary through the same 2026/27 assumptions.

Why gross pay rises can feel smaller than expected.

A pay rise is taxed at your marginal rates. National Insurance, student loans and pension arrangements can also change the amount that actually reaches your bank account.

Percentage rise

Use this for awards such as 3%, 3.5%, 5% or 10% and see both the new salary and estimated net benefit.

Fixed increase

Use a specific annual amount, such as a £2,000 increase, and compare the before-and-after take-home result.

Real deductions

Include Scottish tax, student loans and a salary-sacrifice pension assumption rather than comparing gross salary alone.

Example: £48,000 with a 3.5% pay rise

A 3.5% increase takes £48,000 to £49,680 gross. The calculator above estimates what that actually means after the deductions selected.

Pay rise calculator FAQs

Is a pay rise taxed differently from normal salary?

No separate “pay rise tax” applies. The extra salary becomes part of your employment income, so the effect depends on the tax and deduction thresholds that apply to the additional earnings.

Why is my take-home increase smaller than my gross pay rise?

The additional gross pay can increase Income Tax and National Insurance and may increase student-loan repayments or pension contributions. That is why comparing before-and-after net pay is more useful than looking only at the headline percentage.

Can I enter a fixed cash increase instead of a percentage?

Yes. Select the fixed-pound option and enter the annual salary increase.

Does the calculator support Scotland?

Yes. Select Scotland as the tax region to use the Scottish income-tax calculation in the estimate.