Updated for 2025/26
£10,726 vs £15,726 Salary Comparison
Compare a £10,726 salary against £15,726. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,000
per year
Take Home Extra
+£343.03
per month
You Keep
82%
of the raise
5-Year Gain
+£20,582
cumulative
Entry-Level Career Progression
This comparison is typical for early career moves or first promotions. At this salary range, most of your income is taxed at the basic rate (20%), so you keep a higher percentage of any raise.
- Negotiate hard - you keep ~70-80% of any increase at this level
- Consider employers offering good pension matching (often worth more than small salary differences)
- Look for roles with clear progression paths to higher bands
- Factor in benefits like free lunches, gym memberships, or transport subsidies
Compare Salaries
Enter multiple salaries to compare take-home pay for 2025/26
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Comparison Results
| Metric | £10,726 | £15,726 | Difference |
|---|---|---|---|
| Gross Salary | £10,726 | £15,726 | £5,000 |
| Income Tax | £0 | £631 | £631 |
| National Insurance | £0 | £252 | £252 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £10,726 | £14,842 | £4,116 |
| Take-Home (Monthly) | £894 | £1,237 | £343 |
| Effective Tax Rate | 0.0% | 5.6% | 5.6% |
£10,726
Gross£10,726
Take-Home£10,726
You Keep100.0%
£15,726
Gross£15,726
Take-Home£14,842
You Keep94.4%
Tax Band Analysis
Understanding where your money goes
£10,726
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£893.83
£15,726
Tax BandBasic Rate
Marginal Rate20%
Income Tax£631.20
National Insurance£252.48
Take Home (Monthly)£1,236.86
Tax Band Change: This salary increase crosses from the Personal Allowance (0%) into the Basic Rate (20%). The portion above £12,570.00 will be taxed at the higher rate.
What £343.03 Extra Buys You
Real-world value of the take-home difference
Monthly Subscriptions
Netflix, Spotify, gym - £100.00/mo
Weekend Breaks
1-2 UK getaways per month at this budget
Full Comparison: £10,726 vs £15,726
£10,726
- Gross Pay£10,726.00
- Take Home (Year)£10,726.00
- Take Home (Month)£893.83
- Effective Tax Rate0.0%
£15,726
- Gross Pay£15,726.00
- Take Home (Year)£14,842.32
- Take Home (Month)£1,236.86
- Effective Tax Rate5.6%
The difference in take-home pay is £4,116 per year, which works out to £343.03 per month.