Updated for 2025/26
£26,945 vs £31,945 Salary Comparison
Compare a £26,945 salary against £31,945. 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
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Comparison Results
| Metric | £26,945 | £31,945 | Difference |
|---|---|---|---|
| Gross Salary | £26,945 | £31,945 | £5,000 |
| Income Tax | £2,875 | £3,875 | £1,000 |
| National Insurance | £1,150 | £1,550 | £400 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £22,920 | £26,520 | £3,600 |
| Take-Home (Monthly) | £1,910 | £2,210 | £300 |
| Effective Tax Rate | 14.9% | 17.0% | 2.0% |
£26,945
Gross£26,945
Take-Home£22,920
You Keep85.1%
£31,945
Gross£31,945
Take-Home£26,520
You Keep83.0%
Tax Band Analysis
Understanding where your money goes
£26,945
Tax BandBasic Rate
Marginal Rate20%
Income Tax£2,875.00
National Insurance£1,150.00
Take Home (Monthly)£1,910.00
£31,945
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,875.00
National Insurance£1,550.00
Take Home (Monthly)£2,210.00
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: £26,945 vs £31,945
£26,945
- Gross Pay£26,945.00
- Take Home (Year)£22,920.00
- Take Home (Month)£1,910.00
- Effective Tax Rate14.9%
£31,945
- Gross Pay£31,945.00
- Take Home (Year)£26,520.00
- Take Home (Month)£2,210.00
- Effective Tax Rate17.0%
The difference in take-home pay is £3,600 per year, which works out to £300.00 per month.