Salary What-If Simulator 2026/27

Set your current salary, then drag any slider to see exactly how a pay rise, pension change, region move or hours change shifts your take-home pay. Each scenario shows the £ delta vs your baseline.

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, 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, BIK, student loan plan, Marriage Allowance, Blind Person's Allowance and other personal circumstances not modelled here. Use the full salary calculator for those.