Pay Rise Calculator 2025-26
How much of your pay rise do you actually keep? After income tax and National Insurance, most employees keep 58–72% of a pay rise. Find your salary below to see the exact figures.
How much of a pay rise do you keep?
Extra take-home pay by salary and rise percentage
| Current salary | 2.5% rise | 3% rise | 5% rise | 10% rise |
|---|---|---|---|---|
| £20,000 | £360 | £432 | £720 | £1,440 |
| £25,000 | £450 | £540 | £900 | £1,800 |
| £30,000 | £540 | £648 | £1,080 | £2,160 |
| £35,000 | £630 | £756 | £1,260 | £2,520 |
| £40,000 | £720 | £864 | £1,440 | £2,880 |
| £45,000 | £810 | £972 | £1,620 | £3,240 |
| £50,000 | £762 | £907 | £1,487 | £2,937 |
| £60,000 | £870 | £1,044 | £1,740 | £3,480 |
| £75,000 | £1,088 | £1,305 | £2,175 | £4,350 |
| £100,000 | £950 | £1,140 | £1,900 | £3,800 |
Figures show extra annual take-home pay after income tax and NI. England 2025-26 rates.
Popular pay rise calculations
Why your pay rise feels smaller than expected
A pay rise is taxed at your marginal rate — the rate that applies to the top slice of your income. For most UK employees earning between £12,570 and £50,270, the marginal rate is 28%: 20% income tax plus 8% employee National Insurance. This means you keep around 72p of every £1 rise.
Above £50,270, NI falls to 2% but income tax rises to 40%, giving a marginal rate of 42% — so you keep 58p per £1. Earners between £100,000 and £125,140 face an effective rate of 60% or more as their personal allowance is gradually withdrawn (£1 for every £2 over £100,000).
To maximise a pay rise, consider directing some of it into a salary sacrifice pension. Contributions made before tax avoid both income tax and NI, making them worth more than the equivalent take-home amount.