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Is that pay rise actually a pay rise?

How this calculator works & sources ↓

A bigger number on your payslip isn't the same as being better off. See what your raise is worth once inflation is accounted for — and whether you're really moving forward.

Switching region updates the currency and the illustrative inflation figure — every number stays fully editable.

The numbers

Your old salary, your new one, and the inflation rate to weigh it against.

Nominal increase—
Real-terms increase—

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Frequently asked questions

Why does inflation matter for a pay rise?

Inflation is why prices go up over time. If your pay rises slower than prices do, you can technically earn more and still afford less than you did before.

Where do I find the current inflation rate?

Your country's statistics office publishes it — the ONS in the UK, the BLS in the US, and similar bodies elsewhere. The figure here is just an illustrative starting point.

Does this account for tax?

No — this compares the two salary figures directly. If the rise pushes you into a higher tax bracket, your actual take-home increase will be smaller than the numbers shown here.

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TRANSPARENT CALCULATIONS

How we calculate this

Compares the before-and-after pay figures using the tax and deduction assumptions shown in the calculator. Actual take-home pay depends on tax residency, pension arrangements and other deductions. Tax-year setting: UK 2026/27 (as stated in the calculator). Check the official sources for subsequent changes.

Sources and further reading: HMRC income tax · HMRC National Insurance

Methodology note added October 2026 · Prepared by Adam, founder of Life Figured · General educational estimates, not personalised financial advice. Rates and thresholds should be checked with official sources before making decisions.