Updated for 2025/26
£11,825 vs £21,825 Salary Comparison
Compare a £11,825 salary against £21,825. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£10,000
per year
Take Home Extra
+£617.38
per month
You Keep
74%
of the raise
5-Year Gain
+£37,043
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 | £11,825 | £21,825 | Difference |
|---|---|---|---|
| Gross Salary | £11,825 | £21,825 | £10,000 |
| Income Tax | £0 | £1,851 | £1,851 |
| National Insurance | £0 | £740 | £740 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,825 | £19,234 | £7,409 |
| Take-Home (Monthly) | £985 | £1,603 | £617 |
| Effective Tax Rate | 0.0% | 11.9% | 11.9% |
£11,825
Gross£11,825
Take-Home£11,825
You Keep100.0%
£21,825
Gross£21,825
Take-Home£19,234
You Keep88.1%
Tax Band Analysis
Understanding where your money goes
£11,825
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£985.42
£21,825
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,851.00
National Insurance£740.40
Take Home (Monthly)£1,602.80
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 £617.38 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
£7,408.60/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £11,825 vs £21,825
£11,825
- Gross Pay£11,825.00
- Take Home (Year)£11,825.00
- Take Home (Month)£985.42
- Effective Tax Rate0.0%
£21,825
- Gross Pay£21,825.00
- Take Home (Year)£19,233.60
- Take Home (Month)£1,602.80
- Effective Tax Rate11.9%
The difference in take-home pay is £7,409 per year, which works out to £617.38 per month.