Updated for 2025/26
£42,821 vs £47,321 Salary Comparison
Compare a £42,821 salary against £47,321. 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
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 | £42,821 | £47,321 | Difference |
|---|---|---|---|
| Gross Salary | £42,821 | £47,321 | £4,500 |
| Income Tax | £6,050 | £6,950 | £900 |
| National Insurance | £2,420 | £2,780 | £360 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £34,351 | £37,591 | £3,240 |
| Take-Home (Monthly) | £2,863 | £3,133 | £270 |
| Effective Tax Rate | 19.8% | 20.6% | 0.8% |
£42,821
Gross£42,821
Take-Home£34,351
You Keep80.2%
£47,321
Gross£47,321
Take-Home£37,591
You Keep79.4%
Tax Band Analysis
Understanding where your money goes
£42,821
Tax BandBasic Rate
Marginal Rate20%
Income Tax£6,050.20
National Insurance£2,420.08
Take Home (Monthly)£2,862.56
£47,321
Tax BandBasic Rate
Marginal Rate20%
Income Tax£6,950.20
National Insurance£2,780.08
Take Home (Monthly)£3,132.56
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: £42,821 vs £47,321
£42,821
- Gross Pay£42,821.00
- Take Home (Year)£34,350.72
- Take Home (Month)£2,862.56
- Effective Tax Rate19.8%
£47,321
- Gross Pay£47,321.00
- Take Home (Year)£37,590.72
- Take Home (Month)£3,132.56
- Effective Tax Rate20.6%
The difference in take-home pay is £3,240 per year, which works out to £270.00 per month.