Offer against offer.
Two packages side by side, the way the person will actually live them: take-home after tax, pension, holiday, and what the commute costs in money and in hours.
Current job or counter-offer
New offer
The figures filled in are examples. Put in the real ones.
How it works.
- Take-home is salary plus bonus, less income tax, employee National Insurance and their own pension contribution, using the 2026/27 rates from GOV.UK: an allowance of £12,570 (tapered away above £100,000), then 20%, 40% and 45%, or the six Scottish rates; NI at 8% to £50,270 and 2% above.
- Pension is a percentage of salary. Their contribution is taken before income tax but not NI, as in a net pay scheme. Salary sacrifice would save NI too, so take-home there would be a little higher.
- Commute counts office days across the working year: 260 weekdays less their holiday days, times the share of the week in the office.
- Real value is take-home, plus both pension contributions and other benefits, less the commute cost. Pay per hour divides take-home, after the commute, by hours worked plus hours travelling, at 7.5 hours a day.
It leaves out student loans, tax codes other than the standard one, benefits in kind tax, and share schemes. Money isn't the whole decision, and the tool doesn't pretend it is.
A guide, not financial advice. It applies the rules as written to the dates and figures you enter. Your own terms and the facts of a case can change the answer; if money or a dispute turns on it, check with an accountant.
Rates as of 21 October 2026. Checked every April.
When the rules change.
Rates and thresholds move most Aprils. Leave your email and we'll tell you when this tool is updated. We won't use it for anything else, and you can ask us to delete it at hello@hikari-ai.co.uk.
Built by Hikari. We recruited at Google, Meta, AWS, Shell and BP, and now build AI for recruitment desks. These tools are free, run in your browser, and send nothing anywhere.