Updated for 2025/26
£16,097 vs £21,097 Salary Comparison
Compare a £16,097 salary against £21,097. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,000
per year
Take Home Extra
+£300.00
per month
You Keep
72%
of the raise
5-Year Gain
+£18,000
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 | £16,097 | £21,097 | Difference |
|---|---|---|---|
| Gross Salary | £16,097 | £21,097 | £5,000 |
| Income Tax | £705 | £1,705 | £1,000 |
| National Insurance | £282 | £682 | £400 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £15,109 | £18,709 | £3,600 |
| Take-Home (Monthly) | £1,259 | £1,559 | £300 |
| Effective Tax Rate | 6.1% | 11.3% | 5.2% |
£16,097
Gross£16,097
Take-Home£15,109
You Keep93.9%
£21,097
Gross£21,097
Take-Home£18,709
You Keep88.7%
Tax Band Analysis
Understanding where your money goes
£16,097
Tax BandBasic Rate
Marginal Rate20%
Income Tax£705.40
National Insurance£282.16
Take Home (Monthly)£1,259.12
£21,097
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,705.40
National Insurance£682.16
Take Home (Monthly)£1,559.12
What £300.00 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
Full Comparison: £16,097 vs £21,097
£16,097
- Gross Pay£16,097.00
- Take Home (Year)£15,109.44
- Take Home (Month)£1,259.12
- Effective Tax Rate6.1%
£21,097
- Gross Pay£21,097.00
- Take Home (Year)£18,709.44
- Take Home (Month)£1,559.12
- Effective Tax Rate11.3%
The difference in take-home pay is £3,600 per year, which works out to £300.00 per month.