Updated for 2025/26
£10,870 vs £15,370 Salary Comparison
Compare a £10,870 salary against £15,370. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,500
per year
Take Home Extra
+£309.67
per month
You Keep
83%
of the raise
5-Year Gain
+£18,580
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 | £10,870 | £15,370 | Difference |
|---|---|---|---|
| Gross Salary | £10,870 | £15,370 | £4,500 |
| Income Tax | £0 | £560 | £560 |
| National Insurance | £0 | £224 | £224 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £10,870 | £14,586 | £3,716 |
| Take-Home (Monthly) | £906 | £1,216 | £310 |
| Effective Tax Rate | 0.0% | 5.1% | 5.1% |
£10,870
Gross£10,870
Take-Home£10,870
You Keep100.0%
£15,370
Gross£15,370
Take-Home£14,586
You Keep94.9%
Tax Band Analysis
Understanding where your money goes
£10,870
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£905.83
£15,370
Tax BandBasic Rate
Marginal Rate20%
Income Tax£560.00
National Insurance£224.00
Take Home (Monthly)£1,215.50
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 £309.67 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: £10,870 vs £15,370
£10,870
- Gross Pay£10,870.00
- Take Home (Year)£10,870.00
- Take Home (Month)£905.83
- Effective Tax Rate0.0%
£15,370
- Gross Pay£15,370.00
- Take Home (Year)£14,586.00
- Take Home (Month)£1,215.50
- Effective Tax Rate5.1%
The difference in take-home pay is £3,716 per year, which works out to £309.67 per month.