Updated for 2025/26
£16,475 vs £20,930 Salary Comparison
Compare a £16,475 salary against £20,930. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,455
per year
Take Home Extra
+£267.30
per month
You Keep
72%
of the raise
5-Year Gain
+£16,038
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
£
£
Comparison Results
| Metric | £16,475 | £20,930 | Difference |
|---|---|---|---|
| Gross Salary | £16,475 | £20,930 | £4,455 |
| Income Tax | £781 | £1,672 | £891 |
| National Insurance | £312 | £669 | £356 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £15,382 | £18,589 | £3,208 |
| Take-Home (Monthly) | £1,282 | £1,549 | £267 |
| Effective Tax Rate | 6.6% | 11.2% | 4.5% |
£16,475
Gross£16,475
Take-Home£15,382
You Keep93.4%
£20,930
Gross£20,930
Take-Home£18,589
You Keep88.8%
Tax Band Analysis
Understanding where your money goes
£16,475
Tax BandBasic Rate
Marginal Rate20%
Income Tax£781.00
National Insurance£312.40
Take Home (Monthly)£1,281.80
£20,930
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,672.00
National Insurance£668.80
Take Home (Monthly)£1,549.10
What £267.30 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: £16,475 vs £20,930
£16,475
- Gross Pay£16,475.00
- Take Home (Year)£15,381.60
- Take Home (Month)£1,281.80
- Effective Tax Rate6.6%
£20,930
- Gross Pay£20,930.00
- Take Home (Year)£18,589.20
- Take Home (Month)£1,549.10
- Effective Tax Rate11.2%
The difference in take-home pay is £3,208 per year, which works out to £267.30 per month.