Salary Comparison Calculator
Choosing between two jobs? Enter both salaries with their pension and student loan details to see a true like-for-like comparison of take-home pay.
The calculator shows each salary as a full breakdown so you can see what each offer is really worth.
How the calculation works
We believe numbers should be transparent. Here is the formula behind this calculator.
Worked example
Worked example: two job offers compared
Important assumptions
- Assumes the same tax year for both salaries.
- Pension uses relief at source in both cases.
- Does not include benefits in kind, bonuses or Scottish rates.
Frequently asked questions
How do I compare two job offers fairly?
Compare take-home pay, not gross. Include pension, student loan and any benefits in kind. A lower gross salary with a bigger pension or fewer deductions can pay more in the bank.
Does a higher salary always mean more take-home?
Usually, but not always — a higher student loan repayment, pension or a benefits in kind can offset the difference. This calculator shows both side by side.
Why does my effective tax rate differ between jobs?
Pension and student loan deductions change your taxable income, which changes the effective rate. Higher pension contributions typically lower your effective tax rate.
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View calculatorRelated guides
New to the topic? Read a plain-English guide on salary & tax, with worked examples and tips.
How UK Income Tax works
The tax-free allowance, rate bands and how PAYE takes tax from your pay.
Read the guide TaxPAYE explained
How pay as you earn collects Income Tax and NI from your salary.
Read the guide TaxUnderstanding tax bands
Basic, higher and additional rate explained with worked examples.
Read the guide TaxHow to read a payslip
Every line on your pay slip decoded — payments, deductions, year-to-date, and why a bonus month looks different.
Read the guide TaxUK tax rates and allowances 2026/27
Every UK tax rate and allowance for the 2026/27 tax year in one place — income tax, National Insurance, VAT, dividends, corporation tax, student loans and more.
Read the guide TaxHigh Income Child Benefit Charge explained
How the High Income Child Benefit Charge works — the £60,000 threshold, the 1% clawback and what you repay.
Read the guide TaxPension tax relief explained
How pension tax relief works — 20% added at source, extra relief for higher and additional-rate taxpayers, and the annual allowance.
Read the guideThese calculations are estimates for guidance only and are not professional financial, tax or legal advice. UK rates and rules change, so always verify important figures with official GOV.UK / HMRC information or speak to a qualified professional. See our full disclaimer.