Updated for 2025/26
£10,445 vs £15,445 Salary Comparison
Compare a £10,445 salary against £15,445. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,000
per year
Take Home Extra
+£349.58
per month
You Keep
84%
of the raise
5-Year Gain
+£20,975
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
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Comparison Results
| Metric | £10,445 | £15,445 | Difference |
|---|---|---|---|
| Gross Salary | £10,445 | £15,445 | £5,000 |
| Income Tax | £0 | £575 | £575 |
| National Insurance | £0 | £230 | £230 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £10,445 | £14,640 | £4,195 |
| Take-Home (Monthly) | £870 | £1,220 | £350 |
| Effective Tax Rate | 0.0% | 5.2% | 5.2% |
£10,445
Gross£10,445
Take-Home£10,445
You Keep100.0%
£15,445
Gross£15,445
Take-Home£14,640
You Keep94.8%
Tax Band Analysis
Understanding where your money goes
£10,445
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£870.42
£15,445
Tax BandBasic Rate
Marginal Rate20%
Income Tax£575.00
National Insurance£230.00
Take Home (Monthly)£1,220.00
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 £349.58 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: £10,445 vs £15,445
£10,445
- Gross Pay£10,445.00
- Take Home (Year)£10,445.00
- Take Home (Month)£870.42
- Effective Tax Rate0.0%
£15,445
- Gross Pay£15,445.00
- Take Home (Year)£14,640.00
- Take Home (Month)£1,220.00
- Effective Tax Rate5.2%
The difference in take-home pay is £4,195 per year, which works out to £349.58 per month.