Updated for 2025/26
£15,040 vs £25,040 Salary Comparison
Compare a £15,040 salary against £25,040. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£10,000
per year
Take Home Extra
+£600.00
per month
You Keep
72%
of the raise
5-Year Gain
+£36,000
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 | £15,040 | £25,040 | Difference |
|---|---|---|---|
| Gross Salary | £15,040 | £25,040 | £10,000 |
| Income Tax | £494 | £2,494 | £2,000 |
| National Insurance | £198 | £998 | £800 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,348 | £21,548 | £7,200 |
| Take-Home (Monthly) | £1,196 | £1,796 | £600 |
| Effective Tax Rate | 4.6% | 13.9% | 9.3% |
£15,040
Gross£15,040
Take-Home£14,348
You Keep95.4%
£25,040
Gross£25,040
Take-Home£21,548
You Keep86.1%
Tax Band Analysis
Understanding where your money goes
£15,040
Tax BandBasic Rate
Marginal Rate20%
Income Tax£494.00
National Insurance£197.60
Take Home (Monthly)£1,195.70
£25,040
Tax BandBasic Rate
Marginal Rate20%
Income Tax£2,494.00
National Insurance£997.60
Take Home (Monthly)£1,795.70
What £600.00 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
Savings Boost
£7,200.00/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £15,040 vs £25,040
£15,040
- Gross Pay£15,040.00
- Take Home (Year)£14,348.40
- Take Home (Month)£1,195.70
- Effective Tax Rate4.6%
£25,040
- Gross Pay£25,040.00
- Take Home (Year)£21,548.40
- Take Home (Month)£1,795.70
- Effective Tax Rate13.9%
The difference in take-home pay is £7,200 per year, which works out to £600.00 per month.