PayBreakdown - Salary Calculator & Budget Manager
Why is my pay rise not the full amount after tax?
A pay rise increases gross salary, but income tax, NI, pension, and student loan deductions can reduce the net increase.
What this page helps with
A pay rise is quoted gross. The take-home increase is lower because PAYE income tax, National Insurance, pension contributions, student loans, and sometimes tax-band changes apply to the extra income.
Official sources
Income Tax rates and Personal AllowancesNational Insurance rates and categoriesStudent loan repayment thresholdsPension tax reliefNational Minimum Wage and National Living Wage ratesStatutory Maternity Pay and LeaveStatutory Sick PayFCA guidance on misleading financial promotionsOff-payroll working and IR35 guidanceUnderstanding off-payroll workingSalary sacrifice for employersNHS Employers pay scales 2026/27NHS Health Careers Agenda for Change pay ratesLast updated 2026-05-07. Planning estimates only. Not financial advice.