Tax & Income
Compare two salaries or job offers side-by-side, including bonus, pension, income tax and exact take-home pay. See which package is really worth more.
Take-home
£2,573/mo
£30,880/yr
Take-home
£3,143/mo
£37,720/yr
Shared settings
Take-home difference
+£6,840
B vs A · per year
Total package difference
+£10,300
Incl. bonus & employer pension
2026/27 · Annual figures
| Item | A £40,000 | B £50,000 | Diff |
|---|---|---|---|
Gross salary | £40,000 | £50,000 | +£10,000 |
Bonus Annual | £0 | £0 | +£0 |
Employer pension 3% / 3% | £1,200 | £1,500 | +£300 |
Total package Gross + bonus + employer pension | £41,200 | £51,500 | +£10,300 |
Income tax | £5,086 | £6,986 | +£1,900 |
National Insurance | £2,034 | £2,794 | +£760 |
Employee pension 5% / 5% | £2,000 | £2,500 | +£500 |
Student loan | £0 | £0 | +£0 |
Take-home pay £2,573/mo vs £3,143/mo | £30,880 | £37,720 | +£6,840 |
Scenario A
17.8%
Scenario B
19.6%
Difference
+1.8%
When you receive a pay rise, you don't keep 100% of the increase. The additional earnings are taxed at your marginal rate, the rate that applies to the top slice of your income. For most UK earners in 2026/27:
A job offering £48,000 with a £3,000 bonus, 5% employer pension and salary sacrifice may easily beat a £52,000 offer with no bonus, 3% employer pension and a relief-at-source scheme. The total package row adds gross salary, bonus and employer pension. This is the true cost to the employer and the fairest comparison between two offers.
The pension scheme type affects your take-home pay even at the same contribution rate:
Use the Income Tax Calculator for a detailed breakdown including tax bands, NI thresholds and pension details. Or the Salary Sacrifice Calculator to optimise your contributions.