Updated for 2025/26
£15,076 vs £48,005 Salary Comparison
Compare a £15,076 salary against £48,005. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£32,929
per year
Take Home Extra
+£1,975.74
per month
You Keep
72%
of the raise
5-Year Gain
+£118,544
cumulative
Mid-Career Sweet Spot
This salary range often represents strong mid-career positions. You're still entirely in the basic rate tax band (20%), making raises very tax-efficient.
- Salary sacrifice for pension can be very efficient at this level
- Consider hybrid or remote roles - commuting costs can eat into raises
- This is often the best time to change industries for a salary bump
- Skills training and certifications can lead to significant jumps
Compare Salaries
Enter multiple salaries to compare take-home pay for 2025/26
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Comparison Results
| Metric | £15,076 | £48,005 | Difference |
|---|---|---|---|
| Gross Salary | £15,076 | £48,005 | £32,929 |
| Income Tax | £501 | £7,087 | £6,586 |
| National Insurance | £200 | £2,835 | £2,634 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,374 | £38,083 | £23,709 |
| Take-Home (Monthly) | £1,198 | £3,174 | £1,976 |
| Effective Tax Rate | 4.7% | 20.7% | 16.0% |
£15,076
Gross£15,076
Take-Home£14,374
You Keep95.3%
£48,005
Gross£48,005
Take-Home£38,083
You Keep79.3%
Tax Band Analysis
Understanding where your money goes
£15,076
Tax BandBasic Rate
Marginal Rate20%
Income Tax£501.20
National Insurance£200.48
Take Home (Monthly)£1,197.86
£48,005
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,087.00
National Insurance£2,834.80
Take Home (Monthly)£3,173.60
What £1,975.74 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
£23,708.88/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £15,076 vs £48,005
£15,076
- Gross Pay£15,076.00
- Take Home (Year)£14,374.32
- Take Home (Month)£1,197.86
- Effective Tax Rate4.7%
£48,005
- Gross Pay£48,005.00
- Take Home (Year)£38,083.20
- Take Home (Month)£3,173.60
- Effective Tax Rate20.7%
The difference in take-home pay is £23,709 per year, which works out to £1,975.74 per month.