Job offer comparison 2026/27
Weigh up two job offers: the take-home pay each one leaves, the pension each employer adds, and the real monthly gap once tax and National Insurance come off.
Where each offer’s money goes
Common questions
How do I compare two job offers properly?
Compare what each one leaves you, not the salary on the letter. Take Offer A at £42,000, where the employer pays in 8% and you pay in 5%, against Offer B at £46,000 on 3% and 5%: Offer B pays £228.00 more a month, but Offer A puts £1,780 more a year into a pension, so Offer B is ahead by £956.04 once pay and pension are added together.
Is an employer pension contribution worth as much as salary?
It is worth more per pound while it stays in the pension, because it is not taxed as pay when it goes in, and less in the short term, because you cannot spend it yet. On Offer A at £42,000 with 8% from the employer, against Offer B at £46,000 with 3%, Offer A adds £3,360 a year from the employer.
What else should I put in the comparison?
Anything that changes what the job costs or pays you: the commute, the hours, any bonus you can rely on, and the notice period. MyNetIncome’s job offer comparison prices salary and pension, which are the parts we can work out exactly from the rules.