Updated for 2025/26
£31,493 vs £48,238 Salary Comparison
Compare a £31,493 salary against £48,238. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£16,745
per year
Take Home Extra
+£1,004.70
per month
You Keep
72%
of the raise
5-Year Gain
+£60,282
cumulative
Mid-Career Sweet Spot
This salary range often represents strong mid-career positions. You're still entirely in the basic rate tax band (20%), making raises very tax-efficient.
- Salary sacrifice for pension can be very efficient at this level
- Consider hybrid or remote roles - commuting costs can eat into raises
- This is often the best time to change industries for a salary bump
- Skills training and certifications can lead to significant jumps
Compare Salaries
Enter multiple salaries to compare take-home pay for 2025/26
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Comparison Results
| Metric | £31,493 | £48,238 | Difference |
|---|---|---|---|
| Gross Salary | £31,493 | £48,238 | £16,745 |
| Income Tax | £3,785 | £7,134 | £3,349 |
| National Insurance | £1,514 | £2,853 | £1,340 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £26,195 | £38,251 | £12,056 |
| Take-Home (Monthly) | £2,183 | £3,188 | £1,005 |
| Effective Tax Rate | 16.8% | 20.7% | 3.9% |
£31,493
Gross£31,493
Take-Home£26,195
You Keep83.2%
£48,238
Gross£48,238
Take-Home£38,251
You Keep79.3%
Tax Band Analysis
Understanding where your money goes
£31,493
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,784.60
National Insurance£1,513.84
Take Home (Monthly)£2,182.88
£48,238
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,133.60
National Insurance£2,853.44
Take Home (Monthly)£3,187.58
What £1,004.70 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
Savings Boost
£12,056.40/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £31,493 vs £48,238
£31,493
- Gross Pay£31,493.00
- Take Home (Year)£26,194.56
- Take Home (Month)£2,182.88
- Effective Tax Rate16.8%
£48,238
- Gross Pay£48,238.00
- Take Home (Year)£38,250.96
- Take Home (Month)£3,187.58
- Effective Tax Rate20.7%
The difference in take-home pay is £12,056 per year, which works out to £1,004.70 per month.