Updated for 2025/26
£12,270 vs £17,270 Salary Comparison
Compare a £12,270 salary against £17,270. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,000
per year
Take Home Extra
+£307.00
per month
You Keep
74%
of the raise
5-Year Gain
+£18,420
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 | £12,270 | £17,270 | Difference |
|---|---|---|---|
| Gross Salary | £12,270 | £17,270 | £5,000 |
| Income Tax | £0 | £940 | £940 |
| National Insurance | £0 | £376 | £376 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £12,270 | £15,954 | £3,684 |
| Take-Home (Monthly) | £1,023 | £1,330 | £307 |
| Effective Tax Rate | 0.0% | 7.6% | 7.6% |
£12,270
Gross£12,270
Take-Home£12,270
You Keep100.0%
£17,270
Gross£17,270
Take-Home£15,954
You Keep92.4%
Tax Band Analysis
Understanding where your money goes
£12,270
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£1,022.50
£17,270
Tax BandBasic Rate
Marginal Rate20%
Income Tax£940.00
National Insurance£376.00
Take Home (Monthly)£1,329.50
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 £307.00 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: £12,270 vs £17,270
£12,270
- Gross Pay£12,270.00
- Take Home (Year)£12,270.00
- Take Home (Month)£1,022.50
- Effective Tax Rate0.0%
£17,270
- Gross Pay£17,270.00
- Take Home (Year)£15,954.00
- Take Home (Month)£1,329.50
- Effective Tax Rate7.6%
The difference in take-home pay is £3,684 per year, which works out to £307.00 per month.