Updated for 2025/26
£11,820 vs £16,230 Salary Comparison
Compare a £11,820 salary against £16,230. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,410
per year
Take Home Extra
+£282.10
per month
You Keep
77%
of the raise
5-Year Gain
+£16,926
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
£
£
Comparison Results
| Metric | £11,820 | £16,230 | Difference |
|---|---|---|---|
| Gross Salary | £11,820 | £16,230 | £4,410 |
| Income Tax | £0 | £732 | £732 |
| National Insurance | £0 | £293 | £293 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,820 | £15,205 | £3,385 |
| Take-Home (Monthly) | £985 | £1,267 | £282 |
| Effective Tax Rate | 0.0% | 6.3% | 6.3% |
£11,820
Gross£11,820
Take-Home£11,820
You Keep100.0%
£16,230
Gross£16,230
Take-Home£15,205
You Keep93.7%
Tax Band Analysis
Understanding where your money goes
£11,820
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£985.00
£16,230
Tax BandBasic Rate
Marginal Rate20%
Income Tax£732.00
National Insurance£292.80
Take Home (Monthly)£1,267.10
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 £282.10 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: £11,820 vs £16,230
£11,820
- Gross Pay£11,820.00
- Take Home (Year)£11,820.00
- Take Home (Month)£985.00
- Effective Tax Rate0.0%
£16,230
- Gross Pay£16,230.00
- Take Home (Year)£15,205.20
- Take Home (Month)£1,267.10
- Effective Tax Rate6.3%
The difference in take-home pay is £3,385 per year, which works out to £282.10 per month.