How to read the result
This calculator does not decide whether reduced hours are worth it. It shows the money trade-off, the time gained and how hourly value changes when work time, commuting and unavoidable costs move together.
Methodology and assumptions
The calculator reuses the WorthMyTime 2026/27 England, Wales and Northern Ireland employment tax estimator. It compares an annualised current-pay estimate with an annualised reduced-hours estimate. It does not model Scottish Income Tax, individual tax codes, benefits in kind, childcare, changing pension scheme rules or every payroll edge case.
For the wider approach, read the WorthMyTime methodology. For important decisions, read the disclaimer.
FAQ
Is reducing hours always a pro-rata salary cut?
No. Some employers use a strict pro-rata salary, while others negotiate custom arrangements. Enter the actual proposed salary if you have one.
Why is the take-home reduction smaller than the gross reduction?
Lower salary can reduce Income Tax, National Insurance, student loan deductions and pension contributions, so the take-home change can be smaller than the headline salary cut.
Should commuting count?
If fewer hours also means fewer journeys or less travel time, including commute changes gives a fuller time-committed view.
Is this financial advice?
No. It is a general estimator to help you understand trade-offs, not a recommendation to change your working pattern.