Est. 2024  ·  Free UK Financial Tools
ukmoneydaily.com  ·  Helping UK Workers Make Smarter Money Decisions
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★ Free Tool ★ Updated for 2025/26 Tax Year ★ Used by 10,000+ UK Workers ★

Job Offer Comparison
Calculator UK

The only UK job offer comparison calculator that shows real take-home pay, true hourly rate, pension value, commute costs and benefits — side by side, in seconds.

How It Works

1

Enter Both Jobs

Fill in salary, hours, holiday, pension, commute costs and benefits for your current role and the new offer.

2

We Run the Numbers

Our calculator applies 2025/26 HMRC income tax, National Insurance, and student loan rates automatically.

3

Get Your Verdict

Receive a clear TAKE IT / NEGOTIATE / STAY PUT verdict plus a full factor-by-factor breakdown.

◀ Your Current Job
£
Commute & Extras
£
Employer contribution on top of your salary
▶ The New Job Offer
£
Commute & Extras
£
Employer contribution on top of your salary
TAKE IT
The Verdict
Stay PutJob Offer ScoreDefinitely Take It
Real Hourly Rate — New Job
Real Hourly Rate — Current
per effective hour worked
Monthly Take-Home — New
Total Package Value — New
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📊 Take-Home Pay Breakdown — New Job (Annual)
Gross Salary
Income Tax
National Insurance (Class 1)
Student Loan Repayment
Less: Annual Travel Costs
Net Annual Take-Home
🔍 Factor-by-Factor Analysis
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UK Job Offer Comparison Calculator: The Complete Guide

Our free job offer comparison calculator UK was built for one reason: the headline salary figure on a job offer rarely tells the whole story. In the UK, where income tax, National Insurance, pension contributions, student loan repayments, and commuting costs all take significant bites out of your pay packet, two jobs with very different salaries can end up putting almost identical amounts of money in your pocket each month.

This free UK salary comparison tool helps you cut through the noise and see exactly what each job is truly worth — in real, spendable pounds per hour and per month. Whether you're asking "should I take the job?" or "is this offer actually worth it?" — our calculator gives you a clear, data-driven answer.

Why Gross Salary Is Misleading

A job paying £40,000 and a job paying £36,000 might sound worlds apart. But once you use our compare two job offers UK tool and account for income tax (20% on earnings above £12,570), National Insurance (8% between £12,570 and £50,270), a longer commute costing £200/month more, and a weaker pension contribution, that £4,000 difference can virtually disappear — or even reverse.

The only number that truly matters is your real hourly rate: your net take-home pay divided by the total time the job takes from your life, including commute hours. Our real hourly rate calculator UK does this automatically.

What Does the 2025/26 UK Tax Year Mean for Your Pay?

For the 2025/26 tax year, the Personal Allowance remains at £12,570. The basic rate of income tax is 20% on earnings up to £50,270, and 40% on earnings between £50,270 and £125,140. National Insurance Class 1 contributions are 8% between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), and 2% above that. Our job offer comparison calculator UK applies all of these automatically.

Student loan repayments are calculated separately depending on your plan: Plan 1 kicks in at £22,015, Plan 2 at £27,295, and Plan 5 at £25,000 — all at a rate of 9% above the threshold.

The Hidden Value of Employer Pension Contributions

Many people overlook employer pension contributions when using a UK salary comparison tool. A 5% employer pension on a £35,000 salary is worth £1,750 per year going directly into your retirement pot — tax-free. Compare that to a job offering 3% on £38,000 (£1,140/yr) and the higher salary job is actually building less long-term wealth, despite paying more monthly. Our new job worth it calculator factors this in automatically.

Don't Forget Annual Leave

Holiday entitlement has a direct monetary value. If you lose 5 days of annual leave moving to a new job on a £36,000 salary, that's approximately £692 worth of paid time off you're giving up every year. Our is job offer worth it calculator UK factors this into the real hourly rate automatically.

Frequently Asked Questions

How accurate is this job offer comparison calculator? +
Our job offer comparison calculator UK uses 2025/26 HMRC income tax bands, National Insurance rates, and student loan thresholds. It provides a strong guide for comparison, but individual circumstances — such as marriage allowance, blind person's allowance, or employer salary sacrifice schemes — may affect your actual take-home pay. We recommend using it as a directional tool alongside advice from a qualified accountant or financial advisor.
Does this UK salary comparison tool include Scotland's income tax rates? +
Currently our UK salary comparison tool uses England, Wales and Northern Ireland tax rates. Scotland has its own income tax bands set by the Scottish Parliament, which differ from the rest of the UK. We're working on adding a Scottish tax option — check back soon.
What is a "real hourly rate" and why does it matter? +
Our real hourly rate calculator UK divides your net annual take-home pay by the total number of hours the job occupies from your life — including commute time. A job paying £38,000 that requires 50 hours/week (including commute) may pay a lower real hourly rate than a £32,000 job with a 5-minute walk to the office and 37.5 contracted hours. This is the most honest way to compare two job offers UK.
Should I always take the higher-paying job? +
Not necessarily — and that's exactly why our is job offer worth it calculator UK exists. Many factors beyond salary determine a job's true value: career development, job security, company culture, flexible working, mental health impact, and personal fulfillment all matter. This calculator helps you make an informed financial comparison — but the final decision is yours to make holistically.
Is my data stored when I use this calculator? +
No. All calculations in our job offer comparison calculator UK happen entirely in your browser. UK Money Daily does not store, transmit, or share any salary or personal data you enter. See our Privacy Policy for full details.
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