Updated for 2025/26
£11,953 vs £18,448 Salary Comparison
Compare a £11,953 salary against £18,448. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£6,495
per year
Take Home Extra
+£404.10
per month
You Keep
75%
of the raise
5-Year Gain
+£24,246
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 | £11,953 | £18,448 | Difference |
|---|---|---|---|
| Gross Salary | £11,953 | £18,448 | £6,495 |
| Income Tax | £0 | £1,176 | £1,176 |
| National Insurance | £0 | £470 | £470 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,953 | £16,802 | £4,849 |
| Take-Home (Monthly) | £996 | £1,400 | £404 |
| Effective Tax Rate | 0.0% | 8.9% | 8.9% |
£11,953
Gross£11,953
Take-Home£11,953
You Keep100.0%
£18,448
Gross£18,448
Take-Home£16,802
You Keep91.1%
Tax Band Analysis
Understanding where your money goes
£11,953
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£996.08
£18,448
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,175.60
National Insurance£470.24
Take Home (Monthly)£1,400.18
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 £404.10 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
Savings Boost
£4,849.16/year extra into savings or investments
Full Comparison: £11,953 vs £18,448
£11,953
- Gross Pay£11,953.00
- Take Home (Year)£11,953.00
- Take Home (Month)£996.08
- Effective Tax Rate0.0%
£18,448
- Gross Pay£18,448.00
- Take Home (Year)£16,802.16
- Take Home (Month)£1,400.18
- Effective Tax Rate8.9%
The difference in take-home pay is £4,849 per year, which works out to £404.10 per month.