Compare two salary offers to see which gives you more take-home pay after tax, National Insurance, and student loan deductions
Select your student loan plan (applies to both salaries)
See which one gives you more take-home pay
This calculator helps you compare two salary offers by calculating the actual take-home pay for each, accounting for all deductions:
The comparison uses the same student loan plan for both salaries to give you an accurate like-for-like comparison.
If a salary increase pushes you into a higher tax bracket, you'll pay more tax and National Insurance on the additional income. Combined with student loan repayments, the net increase may be smaller than expected.
Not necessarily. Consider other factors like pension contributions, benefits, commute costs, work-life balance, and career progression opportunities. A slightly lower salary with better benefits might be worth more overall.
No, this comparison focuses on tax, National Insurance, and student loan deductions. Pension contributions vary by employer and employee choices, so it's best to compare those separately.
This calculator uses standard 2025/26 UK tax rates and provides accurate estimates for most employees. Actual deductions may vary based on your specific tax code, pension scheme, and other personal circumstances.
This calculator uses one student loan plan for both salaries to provide a fair comparison. Your student loan plan follows you between jobs, so this gives an accurate like-for-like comparison.
This salary comparison tool provides estimates for informational purposes only. Calculations are based on standard UK tax rates and assumptions for the 2025/26 tax year. Actual take-home pay may vary depending on your specific tax code, pension contributions, benefits-in-kind, and other personal circumstances. This tool should not be used as a substitute for professional financial advice. Always verify salary details with your employer and consult HMRC or a qualified tax advisor for personalized guidance.