UK · Free calculator
Pay rise calculator
See how much of a pay rise you keep after UK tax and National Insurance.
Your figures
Rates updated 2026-04-06. Results update as you type.
You keep about 72% of the gross rise.
- New gross salary
- £42,000.00
- Extra take-home per year
- £1,440.00
- Extra take-home per month
- £120.00
- Take-home before
- £32,319.60
- Take-home after
- £33,759.60
How this calculator works
Compare take-home before and after to see the net monthly increase.
5% rise on £40,000
A 5% rise from £40,000 in England.
Assumptions & sources
- Rates for UK tax year 2026/27.
- Employee Class 1 National Insurance only (not self-employed).
- Does not include marriage allowance, Blind Person’s Allowance, or other reliefs.
- Pension contributions modelled as a simple % of gross (relief at source unless salary sacrifice is selected).
Frequently asked questions
Extra earnings can be taxed at your marginal rate and may attract more NI or student loan deductions.
Estimates only
Handy Money Tools provides illustrative figures, not personalised financial or tax advice. Verify
important decisions with official sources or a qualified adviser.
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