Updated for 2025/26
£18,000 vs £38,000 Salary Comparison
Compare a £18,000 salary against £38,000. Find out exactly how much more (or less) you will take home after tax.
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Comparison Results
| Metric | £18,000 | £38,000 | Difference |
|---|---|---|---|
| Gross Salary | £18,000 | £38,000 | £20,000 |
| Income Tax | £1,086 | £5,086 | £4,000 |
| National Insurance | £434 | £2,034 | £1,600 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £16,480 | £30,880 | £14,400 |
| Take-Home (Monthly) | £1,373 | £2,573 | £1,200 |
| Effective Tax Rate | 8.4% | 18.7% | 10.3% |
£18,000
Gross£18,000
Take-Home£16,480
You Keep91.6%
£38,000
Gross£38,000
Take-Home£30,880
You Keep81.3%
Detailed Breakdown: £18,000 vs £38,000
£18,000
- Gross Pay£18,000.00
- Take Home (Year)£16,479.60
- Take Home (Month)£1,373.30
- Effective Tax Rate8.4%
£38,000
- Gross Pay£38,000.00
- Take Home (Year)£30,879.60
- Take Home (Month)£2,573.30
- Effective Tax Rate18.7%
The difference in take-home pay is £14,400 per year, which works out to £1,200.00 per month.