Based on current HMRC guidance and UK PAYE rulesUpdated for the current UK tax year

TaxDecod

UK salary and take-home guidance

Salary comparison

Compare two salaries after deductions

Use this page when the real question is not which salary looks bigger on paper, but which one leaves you materially better off month to month.

Highlight reading

+£483

estimated monthly take-home difference

What this page is for

This page is designed to turn a salary or take-home figure into a clearer monthly reality, then guide the user into comparison, reverse planning, or nearby salary paths.

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Current tax-year framing

This comparison uses a standard UK employee setup with 2025/26-style assumptions and Plan 2 student loan selected in the current page configuration.

Last reviewed: 16 April 2026

Using 2025/26 UK tax assumptions

Plan 2 student loan included in this page setup

Built for real decision-making, not headline salary comparison

Why this matters

A higher gross salary does not always translate into a meaningfully better outcome once tax, National Insurance, pension, and student loan deductions are applied.

Comparison input

Test the salary jump before you believe the headline number

Enter the current salary and the alternative salary below to see what actually changes after deductions.

Salary A

£

Current salary, existing role, or first offer.

Salary B

£

New salary, target role, or competing offer.

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Net difference

+£5,800

+£483 per month difference

Gross difference

£10,000

You actually keep

58%

Lost to deductions

£4,200

Tax drag

42%

Recent comparison scenarios

No comparison scenarios saved yet

Save a comparison here when you want to return to the same decision later.

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Work backwards from a target income

Use this when the monthly amount you want to keep matters more than the headline salary.

Inspect one salary in more detail

Use the main calculator when you need a full guided reading of one salary route.

Browse nearby salary bands

Use the hub when you want wider salary context rather than a two-point comparison only.

Follow-up and saving

Keep this comparison for later

Use this area when you want a calmer way to return to the same decision later without relying on a live email flow.

Comparison follow-upKeep the result without relying on email delivery

For now, the most reliable way to keep this result is to save the route where available, bookmark the page, or return through the same salary path later. This keeps the experience calm and avoids promising a delivery step that is not central to the product.