Gross increase
The gross increase is the difference between old gross pay and new gross pay before deductions.
Pay Rise Calculator
Compare old pay, new pay and estimated take-home change.
How the pay rise calculator works
The calculator annualises your old and new gross pay, then compares the two figures. It estimates Income Tax, employee National Insurance, a pension percentage and the selected student loan plan before showing the rough take-home change.
Use it to sense-check a salary review, promotion, new hourly-equivalent offer or proposed increase. It is an estimate only because actual payslips can depend on tax code notices, payroll timing, benefits, bonuses, deductions, pension scheme rules and employer rounding.
Take-home change
The take-home estimate subtracts broad tax, NI, pension and student loan changes from the gross increase.
Check before deciding
For a contract decision, compare the result with your employer, payroll team, payslip or official guidance.
Reading a pay rise estimate
A pay rise can be shown as an annual change, monthly change, hourly-equivalent change and percentage increase. The calculator keeps those views together so you can compare the headline raise with the estimated change in take-home pay.
The take-home change can be smaller than the gross change because Income Tax, National Insurance, pension contributions and student loan repayments may also rise. That is normal, but the exact result can depend on tax code, region, pay period, pension method, sacrifice arrangements and payroll rounding.
Check gross and net
Gross pay helps compare offers. Net pay helps plan the monthly budget. Keep both visible when making a decision.
Inflation and hours
A raise can look different if working hours change, unpaid time increases or prices have risen since the previous salary was set.
Use payslips after the change
Once the new pay appears, compare the actual payslip against the estimate to spot tax-code or deduction differences.
Pay rise scenarios to compare
Run the calculation once for the offered salary and once for the salary you would need to reach a particular monthly take-home target. If hours, pension percentage, student loan plan or location change at the same time, change one assumption at a time so the effect is easier to understand.
For job moves, compare the pay result with travel costs, unpaid breaks, benefits, pension contributions and bonus eligibility before treating the salary difference as the whole story.
What to compare before accepting a raise or offer
Check whether the new figure changes pension contributions, student loan deductions, bonus eligibility, overtime rates, travel costs or childcare costs. A higher gross salary can still feel different in the monthly budget if other costs or deductions rise at the same time.
For hourly roles, compare the effective hourly rate after unpaid breaks, expected overtime and travel time. For salaried roles, compare the monthly take-home estimate with the hours and benefits that are actually part of the offer.