Updated for 2025/26
£40,362 vs £48,462 Salary Comparison
Compare a £40,362 salary against £48,462. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£8,100
per year
Take Home Extra
+£486.00
per month
You Keep
72%
of the raise
5-Year Gain
+£29,160
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 | £40,362 | £48,462 | Difference |
|---|---|---|---|
| Gross Salary | £40,362 | £48,462 | £8,100 |
| Income Tax | £5,558 | £7,178 | £1,620 |
| National Insurance | £2,223 | £2,871 | £648 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £32,580 | £38,412 | £5,832 |
| Take-Home (Monthly) | £2,715 | £3,201 | £486 |
| Effective Tax Rate | 19.3% | 20.7% | 1.5% |
£40,362
Gross£40,362
Take-Home£32,580
You Keep80.7%
£48,462
Gross£48,462
Take-Home£38,412
You Keep79.3%
Tax Band Analysis
Understanding where your money goes
£40,362
Tax BandBasic Rate
Marginal Rate20%
Income Tax£5,558.40
National Insurance£2,223.36
Take Home (Monthly)£2,715.02
£48,462
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,178.40
National Insurance£2,871.36
Take Home (Monthly)£3,201.02
What £486.00 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
Savings Boost
£5,832.00/year extra into savings or investments
Full Comparison: £40,362 vs £48,462
£40,362
- Gross Pay£40,362.00
- Take Home (Year)£32,580.24
- Take Home (Month)£2,715.02
- Effective Tax Rate19.3%
£48,462
- Gross Pay£48,462.00
- Take Home (Year)£38,412.24
- Take Home (Month)£3,201.02
- Effective Tax Rate20.7%
The difference in take-home pay is £5,832 per year, which works out to £486.00 per month.