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Real Take Home Pay
2026/27

Salary comparison UK 2026/27

See exactly what a pay rise or job move is worth after income tax and National Insurance for the 2026/27 tax year — including how much of each extra £1 you actually keep, which depends on which tax bands the two salaries fall in. Fill in the extra details once and they apply to both salaries: region, tax code, student loans, pension, bonus and overtime.

Two salaries

I want to compare one salary of£with a second salary of£

The tabs below hold the details used for both salaries — most can be set per job, with the First Job and Second Job sections.

Details

Taxable Benefits covers Tax Code, Student Loan and Pension; Additional Options covers Bonus, Overtime, Childcare, Salary Sacrifice and everything else.

With the First Job

With the Second Job

Result

England, Wales or Northern Ireland · 2026/27

Take-home at £40,000.00£32,319.60
Take-home at £50,000.00£39,519.60

£40,000.00

£50,000.00

Extra take-home£7,200.00
Extra income tax£2,000.00
Extra employee NI£800.00
Extra monthly take-home£600.00
Keep per extra £172p

Effective marginal rate on the raise: 28.0%.

Dedicated comparison page: £40,000.00 vs £50,000.00 (without the details above)

Side by side
Item£40,000.00£50,000.00Difference
Gross£40,000.00£50,000.00+£10,000.00
Income tax£5,486.00£7,486.00+£2,000.00
Employee NI£2,194.40£2,994.40+£800.00
Take-home£32,319.60£39,519.60+£7,200.00
Monthly take-home£2,693.30£3,293.30+£600.00
Effective rate19.2%21.0%+1.8%

Popular comparisons

Every generated amount page links its ±£5k and ±£10k comparisons.