Updated for 2025/26
£11,020 vs £15,970 Salary Comparison
Compare a £11,020 salary against £15,970. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,950
per year
Take Home Extra
+£333.17
per month
You Keep
81%
of the raise
5-Year Gain
+£19,990
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 | £11,020 | £15,970 | Difference |
|---|---|---|---|
| Gross Salary | £11,020 | £15,970 | £4,950 |
| Income Tax | £0 | £680 | £680 |
| National Insurance | £0 | £272 | £272 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,020 | £15,018 | £3,998 |
| Take-Home (Monthly) | £918 | £1,252 | £333 |
| Effective Tax Rate | 0.0% | 6.0% | 6.0% |
£11,020
Gross£11,020
Take-Home£11,020
You Keep100.0%
£15,970
Gross£15,970
Take-Home£15,018
You Keep94.0%
Tax Band Analysis
Understanding where your money goes
£11,020
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£918.33
£15,970
Tax BandBasic Rate
Marginal Rate20%
Income Tax£680.00
National Insurance£272.00
Take Home (Monthly)£1,251.50
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 £333.17 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: £11,020 vs £15,970
£11,020
- Gross Pay£11,020.00
- Take Home (Year)£11,020.00
- Take Home (Month)£918.33
- Effective Tax Rate0.0%
£15,970
- Gross Pay£15,970.00
- Take Home (Year)£15,018.00
- Take Home (Month)£1,251.50
- Effective Tax Rate6.0%
The difference in take-home pay is £3,998 per year, which works out to £333.17 per month.