Compare job offers

Put two offers side by side. Compare pay after tax and job costs, pension contributions, and the time each role takes.

Enter your details

Offer A
£
£
£
Travel, parking, childcare or other costs caused by this job. Enter an average across the whole year.
Pension and taxable benefits
%
%
£
For example, employer-provided medical insurance. This affects tax; it is not spendable cash.
Hours, leave and commute
hours
days
days
Include bank holidays if they are days you do not work.
hours
Potential bonus
£
Shown separately as an upside scenario. It does not increase the main spendable-pay result.
Offer B
£
£
£
Travel, parking, childcare or other costs caused by this job. Enter an average across the whole year.
Pension and taxable benefits
%
%
£
For example, employer-provided medical insurance. This affects tax; it is not spendable cash.
Hours, leave and commute
hours
days
days
Include bank holidays if they are days you do not work.
hours
Potential bonus
£
Shown separately as an upside scenario. It does not increase the main spendable-pay result.

Your results

Offer A: spendable
£2,587.30
per month after job costs
Offer B: spendable
£2,849.30
per month after job costs
B minus A
£262.00
per month
Annual pay and pension

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One full year in each job, using 2026/27 rules
MeasureOffer AOffer BB minus A
Gross annual pay£42,000.00£48,000.00£6,000.00
Income Tax£5,466.00£6,606.00£1,140.00
National Insurance£2,186.40£2,642.40£456.00
Your pension contribution£2,100.00£2,400.00£300.00
Student loan repayments£0.00£0.00£0.00
Take-home pay£32,247.60£36,351.60£4,104.00
Job costs£1,200.00£2,160.00£960.00
Spendable pay£31,047.60£34,191.60£3,144.00
Employer pension contribution£1,260.00£1,440.00£180.00
Total pension contribution£3,360.00£3,840.00£480.00

Pension contributions are shown separately. They build retirement savings and are not included in spendable pay.

Time and possible bonus

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Time after paid leave, including the commute
MeasureOffer AOffer B
Work and commute hours a year1,879.21,879.2
Spendable pay per committed hour£16.52£18.19
Extra take-home if the potential bonus is paid£0.00£0.00

These are comparisons of money and time. Role quality, flexibility, job security and progression remain separate decisions.

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How the comparison works

Each offer is treated as a full year of employment. Spendable pay is annual take-home pay minus twelve months of job costs. Hours use 52 weeks less paid leave, with commute time added only for working weeks.

The main results include guaranteed bonus only. Pension percentages apply to basic salary or qualifying earnings, excluding bonus. Ordinary pension contributions include their annual Income Tax relief; salary sacrifice also reduces the earnings used for National Insurance and student loans.

Worked example

With no pension, loan or job costs in England, Wales or Northern Ireland, £30,000 produces £25,119.60 annual take-home and £35,000 produces £28,719.60. The difference is £300 a month. An extra £100 of monthly travel costs reduces the spendable difference to £200.

Assumptions and sources

Uses 2026/27 rules and the standard personal allowance. National Insurance and loan deductions are annualised; individual bonus-month payslips may differ. It does not model a mid-year switch, tax-code adjustments, other income or the value of equity awards. Check pensionable pay with each employer.

Read the guide to comparing job offers.

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