Take-Home Comparison
Compare two salary offers side by side to see the real take-home difference. Accounts for income tax, National Insurance, pension contributions, student loans, and bonuses. Supports both England and Scotland tax bands.
Smart Tips
Offer B gives you £7,200 more per year
After all deductions, Offer B (£45,000 gross) gives you £35,920/year take-home vs £28,720/year from Offer A. That's £600 more per month.
Of the £10,000 gross difference, you keep 72%
The £10,000 difference in gross salary translates to £7,200 in take-home pay. Tax, NI, and other deductions absorb 28% of the pay rise.
Effective tax rates differ: 17.9% vs 20.2%
Offer B has a higher effective deduction rate. Even though gross may be higher, a larger percentage goes to tax, NI, and deductions.