Updated for 2025/26
£11,012 vs £15,512 Salary Comparison
Compare a £11,012 salary against £15,512. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,500
per year
Take Home Extra
+£306.35
per month
You Keep
82%
of the raise
5-Year Gain
+£18,381
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 | £11,012 | £15,512 | Difference |
|---|---|---|---|
| Gross Salary | £11,012 | £15,512 | £4,500 |
| Income Tax | £0 | £588 | £588 |
| National Insurance | £0 | £235 | £235 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,012 | £14,688 | £3,676 |
| Take-Home (Monthly) | £918 | £1,224 | £306 |
| Effective Tax Rate | 0.0% | 5.3% | 5.3% |
£11,012
Gross£11,012
Take-Home£11,012
You Keep100.0%
£15,512
Gross£15,512
Take-Home£14,688
You Keep94.7%
Tax Band Analysis
Understanding where your money goes
£11,012
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£917.67
£15,512
Tax BandBasic Rate
Marginal Rate20%
Income Tax£588.40
National Insurance£235.36
Take Home (Monthly)£1,224.02
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 £306.35 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: £11,012 vs £15,512
£11,012
- Gross Pay£11,012.00
- Take Home (Year)£11,012.00
- Take Home (Month)£917.67
- Effective Tax Rate0.0%
£15,512
- Gross Pay£15,512.00
- Take Home (Year)£14,688.24
- Take Home (Month)£1,224.02
- Effective Tax Rate5.3%
The difference in take-home pay is £3,676 per year, which works out to £306.35 per month.