Compare UK Job Offers 2026/27
Compare up to three UK job offers for 2026/27: take-home pay after Income Tax, National Insurance, salary-sacrifice pension and region, side by side.
Offers
How the comparison works
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Each offer is run through the site's canonical salary engine
(
src/calculators/salary/logic.ts) using the 2026/27 rules from the methodology page. - The pension percentage is modelled as salary sacrifice: it comes off gross pay before Income Tax and employee NI. A pension paid by net pay or relief at source would give a different take-home figure.
- Bonus is added to gross salary for the year, and the pension percentage is applied to salary plus bonus, so the result reflects the marginal band the bonus falls in.
- England, Wales and Northern Ireland use the same Income Tax bands; Scotland has its own. With the full Personal Allowance, Scottish pay is taxed at 21% above £29,526 and 42% above £43,662, against 40% above £50,270 elsewhere, so the gap between Scotland and the rest of the UK opens up from about £29,526. National Insurance is the same in all four nations.
- Calculation is local only - the offers never leave your browser. The Share URL encodes each offer's salary, region, pension, bonus and tax year; no server-side storage.
Worked example
Two offers in England for 2026/27: £75,000 with a 5% salary-sacrifice pension vs £82,000 with 8%, run through the same engine as the tool above, with no student loan or other deductions.
- £75,000 @ 5%: take-home £51,882/year, plus £3,750 into the pension
- £82,000 @ 8%: take-home £54,313/year, plus £6,560 into the pension
- Cash difference: £2,430/year in the second offer's favour
- Your own pension contribution difference: £2,810/year
- Combined: £5,240/year, before any employer pension contribution or differences in living costs
What this does NOT model
- Cost of living differences - rent, commute, council tax, childcare. Use the cost-of-living tool to layer this on.
- Employer pension contributions - what the employer pays in on top of your own contribution differs between employers. Add it to each offer for a fair total-reward view.
- Equity / RSU / share schemes - outside the scope here; see the share-schemes guide.
- Benefits in kind - private medical cover, a company car and similar benefits have a value to you and can also be taxable, which changes take-home pay.
- Career trajectory - a lower-paying offer with faster promotion or better skill-build can dominate over 5 years. Discount factor not modelled.