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.
Fill in salary, hours, holiday, pension, commute costs and benefits for your current role and the new offer.
Our calculator applies 2025/26 HMRC income tax, National Insurance, and student loan rates automatically.
Receive a clear TAKE IT / NEGOTIATE / STAY PUT verdict plus a full factor-by-factor breakdown.
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.
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.
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.
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.
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.