Updated for 2025/26
£14,823 vs £18,104 Salary Comparison
Compare a £14,823 salary against £18,104. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£3,281
per year
Take Home Extra
+£196.86
per month
You Keep
72%
of the raise
5-Year Gain
+£11,812
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 | £14,823 | £18,104 | Difference |
|---|---|---|---|
| Gross Salary | £14,823 | £18,104 | £3,281 |
| Income Tax | £451 | £1,107 | £656 |
| National Insurance | £180 | £443 | £262 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,192 | £16,554 | £2,362 |
| Take-Home (Monthly) | £1,183 | £1,380 | £197 |
| Effective Tax Rate | 4.3% | 8.6% | 4.3% |
£14,823
Gross£14,823
Take-Home£14,192
You Keep95.7%
£18,104
Gross£18,104
Take-Home£16,554
You Keep91.4%
Tax Band Analysis
Understanding where your money goes
£14,823
Tax BandBasic Rate
Marginal Rate20%
Income Tax£450.60
National Insurance£180.24
Take Home (Monthly)£1,182.68
£18,104
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,106.80
National Insurance£442.72
Take Home (Monthly)£1,379.54
What £196.86 Extra Buys You
Real-world value of the take-home difference
Monthly Subscriptions
Netflix, Spotify, gym - £100.00/mo
Full Comparison: £14,823 vs £18,104
£14,823
- Gross Pay£14,823.00
- Take Home (Year)£14,192.16
- Take Home (Month)£1,182.68
- Effective Tax Rate4.3%
£18,104
- Gross Pay£18,104.00
- Take Home (Year)£16,554.48
- Take Home (Month)£1,379.54
- Effective Tax Rate8.6%
The difference in take-home pay is £2,362 per year, which works out to £196.86 per month.