Updated for 2025/26
£10,602 vs £15,102 Salary Comparison
Compare a £10,602 salary against £15,102. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,500
per year
Take Home Extra
+£315.92
per month
You Keep
84%
of the raise
5-Year Gain
+£18,955
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 | £10,602 | £15,102 | Difference |
|---|---|---|---|
| Gross Salary | £10,602 | £15,102 | £4,500 |
| Income Tax | £0 | £506 | £506 |
| National Insurance | £0 | £203 | £203 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £10,602 | £14,393 | £3,791 |
| Take-Home (Monthly) | £884 | £1,199 | £316 |
| Effective Tax Rate | 0.0% | 4.7% | 4.7% |
£10,602
Gross£10,602
Take-Home£10,602
You Keep100.0%
£15,102
Gross£15,102
Take-Home£14,393
You Keep95.3%
Tax Band Analysis
Understanding where your money goes
£10,602
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£883.50
£15,102
Tax BandBasic Rate
Marginal Rate20%
Income Tax£506.40
National Insurance£202.56
Take Home (Monthly)£1,199.42
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 £315.92 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: £10,602 vs £15,102
£10,602
- Gross Pay£10,602.00
- Take Home (Year)£10,602.00
- Take Home (Month)£883.50
- Effective Tax Rate0.0%
£15,102
- Gross Pay£15,102.00
- Take Home (Year)£14,393.04
- Take Home (Month)£1,199.42
- Effective Tax Rate4.7%
The difference in take-home pay is £3,791 per year, which works out to £315.92 per month.