This salary increase calculator shows your new salary after a pay rise, how much more you take home each month after tax, and whether the rise beats inflation. Enter the rise as a percentage or a yearly amount.
Your pay rise
- New salary
- –
- Extra before tax
- –
- Extra take-home a month
- –
- Extra take-home a year
- –
- Real-terms change
- –
In the example, a 5% rise on £35,000 takes your salary to £36,750. After tax and NI you take home an extra £1,260.00 a year, or £105.00 a month. With 3% inflation, your pay rose by about 1.9% in real terms.
How to use the salary increase calculator
- Enter your current salary before tax.
- Choose percentage or amount, and enter the pay rise.
- Enter inflation to see the real-terms change. Use the latest CPI rate from the Office for National Statistics.
- Add your student loan plan and region for an accurate take-home figure.
How to calculate a percentage pay rise
To find your new salary, multiply your current salary by 1 plus the rise as a decimal. A 4% rise on £30,000 is £30,000 × 1.04 = £31,200. To find the percentage from two salaries, divide the new by the old, subtract 1 and multiply by 100: (£33,000 ÷ £30,000 − 1) × 100 = 10%.
How much of a pay rise do you keep?
| Salary before rise | Kept from a £1,000 rise | Extra a month |
|---|---|---|
| £25,000 | £720 | £60.00 |
| £35,000 | £720 | £60.00 |
| £45,000 | £720 | £60.00 |
| £55,000 | £580 | £48.33 |
| £80,000 | £580 | £48.33 |
| £105,000 | £380 | £31.67 |
Basic rate taxpayers keep 72p of every extra £1. Higher rate taxpayers keep 58p. Between £100,000 and £125,140 you keep just 38p, because of the Personal Allowance taper.
Salary increase calculator examples
| Salary | Rise | New salary | Extra take-home a month |
|---|---|---|---|
| £25,000 | 3% | £25,750 | £45 |
| £30,000 | 5% | £31,500 | £90 |
| £40,000 | 4% | £41,600 | £96 |
| £50,000 | 3% | £51,500 | £76 |
| £60,000 | 10% | £66,000 | £290 |
Notice the £50,000 example: part of the rise falls above £50,270, so less of it is kept. A salary increase calculator that ignores tax bands would overstate the gain.
Pay rise vs inflation
A pay rise only makes you better off if it is bigger than the rise in prices. The salary increase calculator works out the real-terms change: (1 + pay rise) ÷ (1 + inflation) − 1. A 3% rise when inflation is 4% is a real-terms pay cut of about 1%.
Asking for a pay rise
- Research the going rate for your role and area using job adverts and salary surveys.
- Keep a record of results, extra responsibilities and training since your last review.
- Ask at the right time, such as an annual review or after a big success.
- Think about non-salary options too, such as extra holiday, flexible hours or a higher employer pension contribution.
Related calculators
See your full pay breakdown with the monthly take home pay calculator, or turn a target take-home pay into a gross salary with the reverse tax calculator.
Frequently asked questions
What is a good pay rise in the UK?
Anything above inflation keeps your pay rising in real terms. Average settlements are reported by Brightmine and the ONS. A promotion or new job often brings 10% or more.
How much is a 3% pay rise on £30,000?
£900 a year before tax, making your salary £30,900. A basic rate taxpayer keeps about £648, or £54 a month.
Does a pay rise affect my student loan?
Yes. Plans 1, 2, 4 and 5 take 9% of earnings above the threshold, so a basic rate taxpayer with a loan keeps 63p of each extra £1.
Can a pay rise reduce my benefits?
Yes. Universal Credit falls by 55p for each extra £1 of take-home pay, and Child Benefit is clawed back above £60,000.
About this calculator
This salary increase calculator uses 2026/27 tax and NI rates, checked against GOV.UK on 9 November 2026. It assumes a standard tax code and no pension. Results are estimates.