Updated for 2025/26
£10,018 vs £14,518 Salary Comparison
Compare a £10,018 salary against £14,518. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,500
per year
Take Home Extra
+£329.55
per month
You Keep
88%
of the raise
5-Year Gain
+£19,773
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
£
£
Comparison Results
| Metric | £10,018 | £14,518 | Difference |
|---|---|---|---|
| Gross Salary | £10,018 | £14,518 | £4,500 |
| Income Tax | £0 | £390 | £390 |
| National Insurance | £0 | £156 | £156 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £10,018 | £13,973 | £3,955 |
| Take-Home (Monthly) | £835 | £1,164 | £330 |
| Effective Tax Rate | 0.0% | 3.8% | 3.8% |
£10,018
Gross£10,018
Take-Home£10,018
You Keep100.0%
£14,518
Gross£14,518
Take-Home£13,973
You Keep96.2%
Tax Band Analysis
Understanding where your money goes
£10,018
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£834.83
£14,518
Tax BandBasic Rate
Marginal Rate20%
Income Tax£389.60
National Insurance£155.84
Take Home (Monthly)£1,164.38
Tax Band Change: This salary increase crosses from the Personal Allowance (0%) into the Basic Rate (20%). The portion above £12,570.00 will be taxed at the higher rate.
What £329.55 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: £10,018 vs £14,518
£10,018
- Gross Pay£10,018.00
- Take Home (Year)£10,018.00
- Take Home (Month)£834.83
- Effective Tax Rate0.0%
£14,518
- Gross Pay£14,518.00
- Take Home (Year)£13,972.56
- Take Home (Month)£1,164.38
- Effective Tax Rate3.8%
The difference in take-home pay is £3,955 per year, which works out to £329.55 per month.