Updated for 2025/26
£10,494 vs £15,494 Salary Comparison
Compare a £10,494 salary against £15,494. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,000
per year
Take Home Extra
+£348.44
per month
You Keep
84%
of the raise
5-Year Gain
+£20,906
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 | £10,494 | £15,494 | Difference |
|---|---|---|---|
| Gross Salary | £10,494 | £15,494 | £5,000 |
| Income Tax | £0 | £585 | £585 |
| National Insurance | £0 | £234 | £234 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £10,494 | £14,675 | £4,181 |
| Take-Home (Monthly) | £875 | £1,223 | £348 |
| Effective Tax Rate | 0.0% | 5.3% | 5.3% |
£10,494
Gross£10,494
Take-Home£10,494
You Keep100.0%
£15,494
Gross£15,494
Take-Home£14,675
You Keep94.7%
Tax Band Analysis
Understanding where your money goes
£10,494
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£874.50
£15,494
Tax BandBasic Rate
Marginal Rate20%
Income Tax£584.80
National Insurance£233.92
Take Home (Monthly)£1,222.94
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 £348.44 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: £10,494 vs £15,494
£10,494
- Gross Pay£10,494.00
- Take Home (Year)£10,494.00
- Take Home (Month)£874.50
- Effective Tax Rate0.0%
£15,494
- Gross Pay£15,494.00
- Take Home (Year)£14,675.28
- Take Home (Month)£1,222.94
- Effective Tax Rate5.3%
The difference in take-home pay is £4,181 per year, which works out to £348.44 per month.