UK Salary What-If Simulator 2026/27: Live Scenario Sliders

Live UK take-home pay simulator for 2026/27. Move sliders for pension %, pay rise, bonus, region switch, 4-day week or part-time hours and see the £ impact on annual + monthly take-home instantly. Built on the canonical HMRC tax engine.

2026/27 tax year

Income Tax & Allowances
UK-wide

Your baseline

Current gross salary

Region

Current pension sacrifice

Tax year

Baseline annual take-home

£0

What-if scenarios

Each scenario starts at your baseline. Drag the slider to see the £ impact on annual + monthly take-home, plus what changes underneath (pension build, marginal rate, High Income Child Benefit Charge (HICBC) if relevant).

How each scenario works

Pay rise / bonus: Adds the slider amount to your gross salary for the full tax year. Shows the actual extra take-home after Income Tax + NI at the marginal rate, which is the real number to negotiate with.
Pension sacrifice change: Modifies your pension % up or down. Salary sacrifice modelled - saves both Income Tax and NI at marginal rate. Most efficient UK workplace pension structure.
Region switch: Recalculates take-home in each of the four UK tax regions. Above £43,663 Scotland diverges materially; below that all four are broadly equivalent.
4-day week / part-time: Pro-rates your salary by the selected working-week fraction (5d, 4d, 3d). Shows the net pay change which is usually less than the headline pay cut because of lost marginal-rate tax.

Common questions this answers

"How much extra take-home would a £5,000 pay rise actually give me?"
"If I bumped my pension from 5% to 10%, how much net pay would I lose?"
"Is moving to Scotland really that much worse on tax at £80k?"
"What does a 4-day week actually cost me in take-home (not in headline salary)?"
"How much do I lose to HICBC at £75,000 with 2 kids? (Use the tax-trap visualiser for the explicit chart.)"

Source data

All calculations route through the canonical site tax engine (src/calculators/salary/logic.ts) which pulls 2026/27 rates from the verified src/data/tax/uk-2026-27.ts file (citations against HMRC and gov.scot on the methodology page).
No data leaves your browser. The simulator is pure client-side and stores nothing.
Estimate only - actual take-home depends on tax codes, Benefit in Kind (BIK), student loan plan, Marriage Allowance, Blind Person's Allowance and other personal circumstances not modelled here. Use the full salary calculator for those.