Updated for 2025/26
£14,745 vs £18,025 Salary Comparison
Compare a £14,745 salary against £18,025. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£3,280
per year
Take Home Extra
+£196.80
per month
You Keep
72%
of the raise
5-Year Gain
+£11,808
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 | £14,745 | £18,025 | Difference |
|---|---|---|---|
| Gross Salary | £14,745 | £18,025 | £3,280 |
| Income Tax | £435 | £1,091 | £656 |
| National Insurance | £174 | £436 | £262 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,136 | £16,498 | £2,362 |
| Take-Home (Monthly) | £1,178 | £1,375 | £197 |
| Effective Tax Rate | 4.1% | 8.5% | 4.3% |
£14,745
Gross£14,745
Take-Home£14,136
You Keep95.9%
£18,025
Gross£18,025
Take-Home£16,498
You Keep91.5%
Tax Band Analysis
Understanding where your money goes
£14,745
Tax BandBasic Rate
Marginal Rate20%
Income Tax£435.00
National Insurance£174.00
Take Home (Monthly)£1,178.00
£18,025
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,091.00
National Insurance£436.40
Take Home (Monthly)£1,374.80
What £196.80 Extra Buys You
Real-world value of the take-home difference
Monthly Subscriptions
Netflix, Spotify, gym - £100.00/mo
Full Comparison: £14,745 vs £18,025
£14,745
- Gross Pay£14,745.00
- Take Home (Year)£14,136.00
- Take Home (Month)£1,178.00
- Effective Tax Rate4.1%
£18,025
- Gross Pay£18,025.00
- Take Home (Year)£16,497.60
- Take Home (Month)£1,374.80
- Effective Tax Rate8.5%
The difference in take-home pay is £2,362 per year, which works out to £196.80 per month.