Updated for 2025/26
£11,495 vs £21,495 Salary Comparison
Compare a £11,495 salary against £21,495. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£10,000
per year
Take Home Extra
+£625.08
per month
You Keep
75%
of the raise
5-Year Gain
+£37,505
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 | £11,495 | £21,495 | Difference |
|---|---|---|---|
| Gross Salary | £11,495 | £21,495 | £10,000 |
| Income Tax | £0 | £1,785 | £1,785 |
| National Insurance | £0 | £714 | £714 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,495 | £18,996 | £7,501 |
| Take-Home (Monthly) | £958 | £1,583 | £625 |
| Effective Tax Rate | 0.0% | 11.6% | 11.6% |
£11,495
Gross£11,495
Take-Home£11,495
You Keep100.0%
£21,495
Gross£21,495
Take-Home£18,996
You Keep88.4%
Tax Band Analysis
Understanding where your money goes
£11,495
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£957.92
£21,495
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,785.00
National Insurance£714.00
Take Home (Monthly)£1,583.00
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 £625.08 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
Savings Boost
£7,501.00/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £11,495 vs £21,495
£11,495
- Gross Pay£11,495.00
- Take Home (Year)£11,495.00
- Take Home (Month)£957.92
- Effective Tax Rate0.0%
£21,495
- Gross Pay£21,495.00
- Take Home (Year)£18,996.00
- Take Home (Month)£1,583.00
- Effective Tax Rate11.6%
The difference in take-home pay is £7,501 per year, which works out to £625.08 per month.