Job Offer Comparison Utility
Compare Two Salaries Side-by-Side (2026/27)
Tax Year
2026/27
HMRC Rules
Updated
Compare two job offers or assess a promotion. Enter your current pay and proposed salary to calculate the exact difference in net monthly take-home pay, Income Tax, National Insurance, pension contributions, and commute expenses.
Current Job / Offer A
Base comparison position
New Job / Offer B
Proposed package to compare
Bottom Line Result
Offer B gives you +£384.20 extra each month
Gross Increase
+£7,000/yr
You Keep
71.8%
Offer A Monthly Net
£2,352.00
Offer B Monthly Net
£2,736.20
Monthly Difference
+£384.20
Annual Difference
+£4,610.40
Detailed Breakdown Comparison
Line-by-line comparison across Income Tax, NI, and pension
| Deduction / Income | Job A | Job B | Difference |
|---|
Looking for a Pay Rise at Your Current Job?
Model exact percentage pay increases, overtime hours, and promotion salary bumps with our dedicated Pay Rise Calculator.
Try Pay Rise Calculator →Maximise Take-Home via Salary Sacrifice
See how much National Insurance and Income Tax you save by sacrificing pension, electric car leases, or cycle to work schemes.
Try Salary Sacrifice Calculator →Frequently Asked Questions
How much extra take-home pay do you keep from a £5,000 pay rise? expand_more
For a standard basic-rate taxpayer earning between £12,570 and £50,270, you pay 20% Income Tax and 8% National Insurance on any increase, meaning you keep 72% (£3,600/year or £300/month). If the raise pushes you over £50,270 into the higher-rate bracket, you pay 40% tax and 2% NI on the portion above £50,270, keeping 58%.
How do student loans impact a salary increase?
If your gross earnings already exceed your student loan repayment threshold, any additional salary increase has an extra 9% student loan deduction taken immediately. For a higher-rate taxpayer (£50,270+) repaying a Plan 2 or Plan 5 loan, your marginal deduction rate is 51% (40% tax + 2% NI + 9% loan).
Why is factoring in commuting costs essential for a new job?
Travel expenses are paid out of your net take-home salary after HMRC has deducted tax and NI. An extra £150 per month in train fares or petrol requires at least £2,500 to £3,500 in gross pre-tax salary just to break even. Use our commute offset input to verify the true financial benefit of the offer.