Compare Job Offers Calculator
Choosing between two jobs? Enter both salaries with their pension and travel costs to see which one really leaves you with more each month.
The two jobs
Job A (e.g. your current job)
Job B (the new offer)
| Per month | Job A | Job B |
|---|---|---|
| Salary | £2,916.67 | £3,166.67 |
| Income Tax | £349.87 | £402.66 |
| National Insurance | £149.53 | £169.53 |
| Your pension | £119.83 | £105.87 |
| Take-home | £2,297.43 | £2,488.61 |
| Travel costs | £0.00 | £120.00 |
| Left each month | £2,297.43 | £2,368.61 |
| Going into your pension | £191.73 | £211.73 |
Job B pays £3,000 more a year before tax, but only £854 more reaches your pocket after tax, NI, pension and travel.
Estimate for 2026/27. Holiday, flexible working, sick pay and other perks matter too.
Worked example
Job A pays £35,000 with a 5% pension (employer 3%). Job B pays £38,000 with a 4% pension (employer 4%) but costs £120 a month more in travel. Job B is £3,000 a year more before tax, yet leaves you with only about £71 a month more after tax, NI, pension and travel. It also puts about £20 a month more into your pension.
Thinking about a pay rise in the same job? Use the pay rise calculator. Keeping one job and adding another? Use the second job tax calculator.
Sources
Figures are checked against these official sources. Last reviewed 7 November 2026.
Common questions
Why is a pay rise worth less than it looks?
Tax, National Insurance, pension and student loan all take a share of each extra pound. A basic-rate taxpayer keeps about 72p of each extra £1, and a higher-rate taxpayer about 58p, before student loan and pension.
Should I count the employer pension?
Yes. An employer that pays 8% instead of 3% is adding 5% of your salary to your savings. It doesn’t reach your pocket now, so we show it separately as money going into your pension.
What about travel costs?
A longer or more expensive commute comes out of your take-home pay, so add your monthly travel costs to compare what you really have left.
What else should I compare?
Holiday allowance, flexible or remote working, sick pay, bonuses that aren’t guaranteed and career prospects can all be worth more than a small difference in pay.