Compare Two Salaries
What would a £10,000 pay rise mean for your take-home pay? Enter two salaries to see exactly how much more you'd keep.
Tax year 2026/27 · Estimates, not personal tax advice
Monthly take-home difference
£600
Annual take-home difference
£7,200
Share of the gross difference you keep
72%
| £40,000 | £50,000 | Difference | |
|---|---|---|---|
| Gross salary | £40,000.00 | £50,000.00 | £10,000.00 |
| Income Tax | £5,486.00 | £7,486.00 | £2,000.00 |
| National Insurance | £2,194.40 | £2,994.40 | £800.00 |
| Take-home per year | £32,319.60 | £39,519.60 | £7,200.00 |
| Take-home per month | £2,693.30 | £3,293.30 | £600.00 |
| Take-home per week | £621.53 | £759.99 | £138.46 |
| Effective deduction rate | 19.2% | 21% |
What this comparison leaves out
Both salaries use the same region and tax year, with the standard allowance and employee NI assumptions. Pension contributions, student loans, benefits and individual tax codes are not included here. The difference is a baseline comparison of salary, not a comparison of two complete employment packages.
Cash pay is only part of an offer
A longer commute, fewer paid hours or a different employer pension contribution can change the value of a role without changing its salary. Keep those items outside this tax comparison, then weigh them alongside the annual and monthly take-home difference.
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- UK Income Tax Bands 2026/27 — The 2026/27 Income Tax bands for England, Wales, Northern Ireland and Scotland, with worked examples showing how band-by-band tax is calculated.