Updated for 2025/26
£15,465 vs £21,395 Salary Comparison
Compare a £15,465 salary against £21,395. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,930
per year
Take Home Extra
+£355.80
per month
You Keep
72%
of the raise
5-Year Gain
+£21,348
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 | £15,465 | £21,395 | Difference |
|---|---|---|---|
| Gross Salary | £15,465 | £21,395 | £5,930 |
| Income Tax | £579 | £1,765 | £1,186 |
| National Insurance | £232 | £706 | £474 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,654 | £18,924 | £4,270 |
| Take-Home (Monthly) | £1,221 | £1,577 | £356 |
| Effective Tax Rate | 5.2% | 11.5% | 6.3% |
£15,465
Gross£15,465
Take-Home£14,654
You Keep94.8%
£21,395
Gross£21,395
Take-Home£18,924
You Keep88.5%
Tax Band Analysis
Understanding where your money goes
£15,465
Tax BandBasic Rate
Marginal Rate20%
Income Tax£579.00
National Insurance£231.60
Take Home (Monthly)£1,221.20
£21,395
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,765.00
National Insurance£706.00
Take Home (Monthly)£1,577.00
What £355.80 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: £15,465 vs £21,395
£15,465
- Gross Pay£15,465.00
- Take Home (Year)£14,654.40
- Take Home (Month)£1,221.20
- Effective Tax Rate5.2%
£21,395
- Gross Pay£21,395.00
- Take Home (Year)£18,924.00
- Take Home (Month)£1,577.00
- Effective Tax Rate11.5%
The difference in take-home pay is £4,270 per year, which works out to £355.80 per month.