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PayClear UK

Pay rise calculator

Estimate only

A rise is taxed at your marginal rate, so the monthly difference is smaller than the headline number.

Tax year 2025/26 · rules last reviewed 22 August 2026 · engine v1.0.0 · calculated 16 October 2026

Illustrated payslip and tax calculation charts
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Scotland has its own income tax bands. Rates for the rest of the UK are the same.

%

Estimated extra take-home a month

£228.00

You keep about 68.4% of a £4,000 gross rise

Gross rise
£4,000
Net rise a year
£2,736
Net rise a month
£228.00
New net a month
£2,687

Before and after

Current gross£38,000
New gross£42,000
Current take-home£29,511.60
New take-home£32,247.60
Gross increase10.5%
Take-home increase9.3%
Marginal rate after the rise28.0%

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How this calculator works

  • Both salaries run through the same deduction calculation.
  • The gross difference is compared with the difference in take-home pay.
  • The share you keep shows the effect of your marginal rate on the increase.

Assumptions

  • Both salaries are treated as full-year salaries in the same tax year.
  • You are aged under State Pension age and pay Class 1 employee National Insurance where relevant.
  • You have the standard tax code with no adjustments, restrictions or underpayments carried forward.
  • Income is spread evenly across the tax year, so no month-by-month PAYE smoothing effects are modelled.
  • No other taxable income, taxable benefits in kind, salary sacrifice arrangements or Marriage Allowance transfers are included unless entered.
  • Pension contributions are treated as a net pay (salary sacrifice equivalent) deduction taken before income tax is applied.

Limitations

  • A mid-year rise produces different monthly figures because PAYE is cumulative.
  • Pension contributions rise with salary here; a fixed contribution would behave differently.

Sources for 2025/26

This calculator estimates figures from what you entered and the published rates for 2025/26. Your actual position depends on your tax code, your employer's payroll, other income and reliefs. This is not tax advice — you may wish to seek professional advice. See our calculation methodology.

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