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Pay Guides

Worked examples for salary and pension decisions.

These guides explain the calculations using fictional figures. They do not choose a job or pension contribution for you.

What Is a £10,000 Pay Rise Worth?

Walk through £50,000 versus £60,000 with no pension or loan deductions. Understand why the cash increase is smaller than the headline rise.

Read the pay-rise example

Salary Sacrifice or Net Pay?

The same £3,000 pension contribution can affect National Insurance and student loans differently. See both ledgers side by side.

Read the pension example

Understand Your Salary Benchmark

Use the same source-checked ONS data as the dashboard, with the population, reference period and quality limits explained alongside the answer.

UK Salary Percentiles

Find the median and top-10%, top-5% and top-1% annual earnings thresholds. See why a band is not an exact personal rank.

Read the UK percentile guide

London Salary Benchmarks

Compare the London workplace distribution and learn why its usable upper-tail data stop before the 99th percentile.

Read the London benchmark guide

UK Regional Salary Comparison

Compare median and high-earner thresholds across nine English regions, Scotland, Wales and Northern Ireland.

See all 12 workplace regions

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