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Updated for 2025/26

£20,488 vs £25,488 Salary Comparison

Compare a £20,488 salary against £25,488. 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

£
£

Comparison Results

Metric£20,488£25,488Difference
Gross Salary£20,488£25,488£5,000
Income Tax£1,584£2,584£1,000
National Insurance£633£1,033£400
Pension£0£0£0
Take-Home Pay (Yearly)
£18,271
£21,871
£3,600
Take-Home (Monthly)£1,523£1,823£300
Effective Tax Rate10.8%14.2%3.4%

£20,488

Gross£20,488
Take-Home£18,271
You Keep89.2%

£25,488

Gross£25,488
Take-Home£21,871
You Keep85.8%

Tax Band Analysis

Understanding where your money goes

£20,488

Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,583.60
National Insurance£633.44
Take Home (Monthly)£1,522.58

£25,488

Tax BandBasic Rate
Marginal Rate20%
Income Tax£2,583.60
National Insurance£1,033.44
Take Home (Monthly)£1,822.58

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: £20,488 vs £25,488

£20,488

  • Gross Pay£20,488.00
  • Take Home (Year)£18,270.96
  • Take Home (Month)£1,522.58
  • Effective Tax Rate10.8%

£25,488

  • Gross Pay£25,488.00
  • Take Home (Year)£21,870.96
  • Take Home (Month)£1,822.58
  • Effective Tax Rate14.2%

The difference in take-home pay is £3,600 per year, which works out to £300.00 per month.