Compare two UK salaries side by side — see the difference in net take-home pay, effective tax rate and marginal rate after Income Tax, National Insurance, pension and student loan.
Updated for the 2026/27 tax year (rates from 6 April 2026).
Enter salaries above to compare. Figures use 2026/27 HMRC rates and assume the standard personal allowance and a non-salary-sacrifice (relief-at-source) pension.
Each salary is run through the same 2026/27 tax engine using your region, pension percentage and student loan plan. The difference is Salary B's annual take-home minus Salary A's.
Almost always, but the gap narrows at thresholds. Above £100,000 the Personal Allowance tapers, and between £60,000 and £80,000 the High Income Child Benefit Charge can raise your effective marginal rate sharply.
The calculator deducts your employee pension percentage before applying Income Tax and NI, which is how relief-at-source and net-pay arrangements usually feel in take-home terms. Salary sacrifice can save a little more NI.