Updated for 2025/26
£11,900 vs £20,320 Salary Comparison
Compare a £11,900 salary against £20,320. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£8,420
per year
Take Home Extra
+£520.83
per month
You Keep
74%
of the raise
5-Year Gain
+£31,250
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 | £11,900 | £20,320 | Difference |
|---|---|---|---|
| Gross Salary | £11,900 | £20,320 | £8,420 |
| Income Tax | £0 | £1,550 | £1,550 |
| National Insurance | £0 | £620 | £620 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,900 | £18,150 | £6,250 |
| Take-Home (Monthly) | £992 | £1,513 | £521 |
| Effective Tax Rate | 0.0% | 10.7% | 10.7% |
£11,900
Gross£11,900
Take-Home£11,900
You Keep100.0%
£20,320
Gross£20,320
Take-Home£18,150
You Keep89.3%
Tax Band Analysis
Understanding where your money goes
£11,900
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£991.67
£20,320
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,550.00
National Insurance£620.00
Take Home (Monthly)£1,512.50
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 £520.83 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
£6,250.00/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £11,900 vs £20,320
£11,900
- Gross Pay£11,900.00
- Take Home (Year)£11,900.00
- Take Home (Month)£991.67
- Effective Tax Rate0.0%
£20,320
- Gross Pay£20,320.00
- Take Home (Year)£18,150.00
- Take Home (Month)£1,512.50
- Effective Tax Rate10.7%
The difference in take-home pay is £6,250 per year, which works out to £520.83 per month.