Updated for 2025/26
£40,000 vs £45,000 Salary Comparison
Compare a £40,000 salary against £45,000. Find out exactly how much more (or less) you will take home after tax.
Compare Salaries
Enter multiple salaries to compare take-home pay for 2025/26
£
£
Comparison Results
| Metric | £40,000 | £45,000 | Difference |
|---|---|---|---|
| Gross Salary | £40,000 | £45,000 | £5,000 |
| Income Tax | £5,486 | £6,486 | £1,000 |
| National Insurance | £2,194 | £2,594 | £400 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £32,320 | £35,920 | £3,600 |
| Take-Home (Monthly) | £2,693 | £2,993 | £300 |
| Effective Tax Rate | 19.2% | 20.2% | 1.0% |
£40,000
Gross£40,000
Take-Home£32,320
You Keep80.8%
£45,000
Gross£45,000
Take-Home£35,920
You Keep79.8%
Detailed Breakdown: £40,000 vs £45,000
£40,000
- Gross Pay£40,000.00
- Take Home (Year)£32,319.60
- Take Home (Month)£2,693.30
- Effective Tax Rate19.2%
£45,000
- Gross Pay£45,000.00
- Take Home (Year)£35,919.60
- Take Home (Month)£2,993.30
- Effective Tax Rate20.2%
The difference in take-home pay is £3,600 per year, which works out to £300.00 per month.