Updated for 2025/26
£12,088 vs £15,040 Salary Comparison
Compare a £12,088 salary against £15,040. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£2,952
per year
Take Home Extra
+£188.37
per month
You Keep
77%
of the raise
5-Year Gain
+£11,302
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 | £12,088 | £15,040 | Difference |
|---|---|---|---|
| Gross Salary | £12,088 | £15,040 | £2,952 |
| Income Tax | £0 | £494 | £494 |
| National Insurance | £0 | £198 | £198 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £12,088 | £14,348 | £2,260 |
| Take-Home (Monthly) | £1,007 | £1,196 | £188 |
| Effective Tax Rate | 0.0% | 4.6% | 4.6% |
£12,088
Gross£12,088
Take-Home£12,088
You Keep100.0%
£15,040
Gross£15,040
Take-Home£14,348
You Keep95.4%
Tax Band Analysis
Understanding where your money goes
£12,088
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£1,007.33
£15,040
Tax BandBasic Rate
Marginal Rate20%
Income Tax£494.00
National Insurance£197.60
Take Home (Monthly)£1,195.70
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 £188.37 Extra Buys You
Real-world value of the take-home difference
Monthly Subscriptions
Netflix, Spotify, gym - £100.00/mo
Full Comparison: £12,088 vs £15,040
£12,088
- Gross Pay£12,088.00
- Take Home (Year)£12,088.00
- Take Home (Month)£1,007.33
- Effective Tax Rate0.0%
£15,040
- Gross Pay£15,040.00
- Take Home (Year)£14,348.40
- Take Home (Month)£1,195.70
- Effective Tax Rate4.6%
The difference in take-home pay is £2,260 per year, which works out to £188.37 per month.