Decisions / What If My Pay Changes?
What If My Pay Changes?
A new salary is not take-home times twelve. Higher-rate bands, student loan plans, pension contribution rates and Child Benefit clawback can all move. Crossing £100,000 adjusted net income can taper the personal allowance and, if you have children, drop Tax-Free Childcare overnight. An income-change milestone from a date you set re-runs those 2026/27 rules on the same timeline as housing and retirement.
A journey can hold this event and later ones. Two free journeys, 15-year cap. Paid paths run 30 years.
Then The Events That Follow
This question starts the journey. Add later events on the same years so tax, leftover cash, childcare and retirement move together. A calculator answers one slice. Free paths run 15 years; paid unlocks run 30.
How Kumberi Models A Pay Or Job Change
New Pay From A Date, Old Job Ended If You Say So
The income-change milestone sets when the new annual pay starts, whose job it is, and optional new-job fields such as employer pension rate and tax code. Ending the previous job is an explicit option so two salaries are not double-counted by accident.
Student Loans And The £100,000 Gate Recalculate
Income tax (including Scottish bands where set), National Insurance and student loan plans 1, 2, 4, 5 and postgraduate follow the modelled income. Crossing £100,000 adjusted net income can taper the personal allowance and, where children are in the journey, Tax-Free Childcare. Child Benefit clawback still follows the higher earner’s adjusted net income against the £60,000–£80,000 taper — not both salaries added together. Those gates live in the tax engine — see Calculation Methodology.
Pension Rate Can Change With The Role
A new job can carry a different workplace pension contribution — that changes take-home and later pot size. Salary sacrifice is modelled where you set it; it is not assumed. A move into a limited company is a different journey (salary versus dividend), not this toggle. IR35 status is set on the Ltd source, not on this pay-change.
Take-Home Pay Is Year One
A PAYE calculator answers this year’s net. It will not show student loan remaining, HICBC if you have children, or whether a pay cut delays a house purchase two years out. Household cash flow sketches a month; the journey is for the years around it.
Open Household Cash FlowWhat This Page Does Not Model
- This pay-change does not apply IR35. For a limited company, set inside/outside on the business source — the engine does not decide status.
- The engine does not import HMRC records. You enter the new salary and pension rate.
- Automatic marriage allowance transfer is not applied.
Common Questions
Can I Model A Pay Cut Or A Lower-Paid Job?
Yes. Set the income-change milestone to the new annual figure. The model re-runs tax, NI, student loans and any Child Benefit / childcare gates. It does not recommend taking or refusing the role.
Are Scottish Tax Bands Included?
Yes, when the journey is set to Scotland. Welsh rates are in the tax engine where the product applies them. Inspect Calculation Methodology for the tax year used in a run.
Will A Pay Rise Above £100,000 Change Childcare In The Model?
Where Tax-Free Childcare and personal-allowance taper apply in the engine, adjusted net income around £100,000 can change those items — only if children and childcare are in the journey. See Funded Childcare.
How The Rules Are Documented
These are the Learn pages behind this decision — inspectable methodology, not extra opinion pieces. The full set lives on Learn.
- Student LoansPlan 1, 2, 4, 5 and postgraduate repayments after the new salary starts.
- Salary SacrificeOpt-in on the journey — not assumed for every new job.
- Funded ChildcareThe £100,000 Tax-Free Childcare gate if children are already in the path.
- Calculation MethodologyIncome tax, NI and personal-allowance taper used in a run.
Other Decisions
- What If My Partner Stops Working?One income changing — tax, student loans and Child Benefit clawback on the same household path.
- Salary Or Dividend For A Ltd Company?Corporation tax, NI and the April 2026 dividend-rate rise on one timeline — not a slogan about the optimal mix.
- What If We Have Another Child?Child Benefit, HICBC, funded hours and leave — not only a nursery line in a spreadsheet.
Model The Chain On A Timeline
This event, then the ones after it. Two free journeys, 15-year cap. Paid paths run 30 years.
Kumberi is educational modelling, not a financial adviser. Figures are illustrations under stated UK tax and pension assumptions. Nothing on these pages is a recommendation to buy, sell, borrow, extract or retire.