Salary Increase After Tax: How Much Will You Really Keep?

A practical guide to converting gross pay rises into realistic monthly net outcomes for UK employees.

Summary

Convert gross pay rises into realistic net monthly outcomes before accepting new offers.

Typical default outputs for quick context.

Gross salary	Net monthly	Net annual	Open
£30,000	£2,093.30	£25,119.60	View page
£50,000	£3,293.30	£39,519.60	View page
£100,000	£5,713.12	£68,557.40	View page

Most people estimate pay rises by dividing gross increase by 12, but that ignores marginal deductions, loan repayments and pension impact.

The result is over-optimistic expectations and weaker negotiations.

A better method compares net monthly before and after using matched assumptions.

Model your current salary first, then model the proposed salary with identical settings.

Calculate net monthly delta and effective deduction change between the two scenarios.

Use this net delta when deciding whether an offer or raise is worthwhile.

Why is gross rise not equal to net rise?

Because marginal deductions, loan repayments and pension changes reduce what you keep.

What is the best comparison method?

Model current and proposed salaries with identical settings and compare net monthly delta.

Should I test more than one scenario?

Yes. Add at least one pension and one student-loan variant for realistic ranges.

Can I test this guide topic in the calculator?

Yes. Use the scenario links in this guide to open prefilled states, then adjust salary, region, loan and pension settings.

Are these guide pages server-rendered for indexing?

Yes. Core content is rendered in HTML and linked to salary/city/tool pages for crawlable internal navigation.

Which assumptions are most important for accuracy?

Tax region, tax code, student loan plan, pension contribution and salary sacrifice are the key assumptions to check first.