Pay rises, 2026/27
Pay rise calculator
How much of a rise reaches your bank account.
Payments
Deductions
Checked 20 October 2026 against GOV.UK, Rates and thresholds for employers 2026 to 2027, and the Scottish Rate Resolution 2026-27. How we check.
Does not model benefits in kind, two jobs or directors' National Insurance. Monthly figures are the yearly amounts divided by 12. Payslips can differ by a few pounds a year.
These figures are estimates based on the information you entered and the 2026/27 rates and thresholds published by HMRC (and, for Scottish taxpayers, the Scottish Parliament). They are general information, not tax, financial or legal advice. Your actual take-home pay can differ, for example because of your tax code, pension arrangements, benefits, student loan plan or payroll timing. Check your payslip, or ask your employer or HMRC, before relying on these figures.
What the rise is worth
What a rise is worth after deductions
A rise is taxed at your top rate plus National Insurance and any student loan, which is why the extra take-home is smaller than the headline figure.
Why you keep less than the rise
A rise is taxed at your top rate, plus National Insurance and any student loan. This table shows how much of each extra £1 reaches you at different salaries in 2026/27, worked out by the same calculator.
| Salary | Kept of each extra £1 | With a Plan 2 loan |
|---|---|---|
| England, Wales & NI, £30,000 | 72p | 63p |
| England, Wales & NI, £60,000 | 58p | 49p |
| England, Wales & NI, £110,000 | 38p | 29p |
| England, Wales & NI, £150,000 | 53p | 44p |
| Scotland, £25,000 | 72p | 72p |
| Scotland, £35,000 | 71p | 62p |
| Scotland, £45,000 | 50p | 41p |
| Scotland, £60,000 | 56p | 47p |
| Scotland, £110,000 | 30.5p | 21.5p |
Between £100,000 and £125,140 you lose £1 of Personal Allowance for every £2 earned, which is why so little of a rise is kept there. A pension contribution through salary sacrifice can keep more of it. See the £100k trap.