Updated for 2025/26
£21,945 vs £26,445 Salary Comparison
Compare a £21,945 salary against £26,445. 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
£
£
Comparison Results
| Metric | £21,945 | £26,445 | Difference |
|---|---|---|---|
| Gross Salary | £21,945 | £26,445 | £4,500 |
| Income Tax | £1,875 | £2,775 | £900 |
| National Insurance | £750 | £1,110 | £360 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £19,320 | £22,560 | £3,240 |
| Take-Home (Monthly) | £1,610 | £1,880 | £270 |
| Effective Tax Rate | 12.0% | 14.7% | 2.7% |
£21,945
Gross£21,945
Take-Home£19,320
You Keep88.0%
£26,445
Gross£26,445
Take-Home£22,560
You Keep85.3%
Tax Band Analysis
Understanding where your money goes
£21,945
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,875.00
National Insurance£750.00
Take Home (Monthly)£1,610.00
£26,445
Tax BandBasic Rate
Marginal Rate20%
Income Tax£2,775.00
National Insurance£1,110.00
Take Home (Monthly)£1,880.00
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: £21,945 vs £26,445
£21,945
- Gross Pay£21,945.00
- Take Home (Year)£19,320.00
- Take Home (Month)£1,610.00
- Effective Tax Rate12.0%
£26,445
- Gross Pay£26,445.00
- Take Home (Year)£22,560.00
- Take Home (Month)£1,880.00
- Effective Tax Rate14.7%
The difference in take-home pay is £3,240 per year, which works out to £270.00 per month.