Updated for 2025/26
£11,404 vs £15,904 Salary Comparison
Compare a £11,404 salary against £15,904. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,500
per year
Take Home Extra
+£297.21
per month
You Keep
79%
of the raise
5-Year Gain
+£17,832
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 | £11,404 | £15,904 | Difference |
|---|---|---|---|
| Gross Salary | £11,404 | £15,904 | £4,500 |
| Income Tax | £0 | £667 | £667 |
| National Insurance | £0 | £267 | £267 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,404 | £14,970 | £3,566 |
| Take-Home (Monthly) | £950 | £1,248 | £297 |
| Effective Tax Rate | 0.0% | 5.9% | 5.9% |
£11,404
Gross£11,404
Take-Home£11,404
You Keep100.0%
£15,904
Gross£15,904
Take-Home£14,970
You Keep94.1%
Tax Band Analysis
Understanding where your money goes
£11,404
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£950.33
£15,904
Tax BandBasic Rate
Marginal Rate20%
Income Tax£666.80
National Insurance£266.72
Take Home (Monthly)£1,247.54
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 £297.21 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: £11,404 vs £15,904
£11,404
- Gross Pay£11,404.00
- Take Home (Year)£11,404.00
- Take Home (Month)£950.33
- Effective Tax Rate0.0%
£15,904
- Gross Pay£15,904.00
- Take Home (Year)£14,970.48
- Take Home (Month)£1,247.54
- Effective Tax Rate5.9%
The difference in take-home pay is £3,566 per year, which works out to £297.21 per month.