Updated for 2025/26
£18,990 vs £23,490 Salary Comparison
Compare a £18,990 salary against £23,490. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,500
per year
Take Home Extra
+£270.00
per month
You Keep
72%
of the raise
5-Year Gain
+£16,200
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 | £18,990 | £23,490 | Difference |
|---|---|---|---|
| Gross Salary | £18,990 | £23,490 | £4,500 |
| Income Tax | £1,284 | £2,184 | £900 |
| National Insurance | £514 | £874 | £360 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £17,192 | £20,432 | £3,240 |
| Take-Home (Monthly) | £1,433 | £1,703 | £270 |
| Effective Tax Rate | 9.5% | 13.0% | 3.6% |
£18,990
Gross£18,990
Take-Home£17,192
You Keep90.5%
£23,490
Gross£23,490
Take-Home£20,432
You Keep87.0%
Tax Band Analysis
Understanding where your money goes
£18,990
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,284.00
National Insurance£513.60
Take Home (Monthly)£1,432.70
£23,490
Tax BandBasic Rate
Marginal Rate20%
Income Tax£2,184.00
National Insurance£873.60
Take Home (Monthly)£1,702.70
What £270.00 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: £18,990 vs £23,490
£18,990
- Gross Pay£18,990.00
- Take Home (Year)£17,192.40
- Take Home (Month)£1,432.70
- Effective Tax Rate9.5%
£23,490
- Gross Pay£23,490.00
- Take Home (Year)£20,432.40
- Take Home (Month)£1,702.70
- Effective Tax Rate13.0%
The difference in take-home pay is £3,240 per year, which works out to £270.00 per month.