Updated for 2025/26
£11,995 vs £25,995 Salary Comparison
Compare a £11,995 salary against £25,995. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£14,000
per year
Take Home Extra
+£853.42
per month
You Keep
73%
of the raise
5-Year Gain
+£51,205
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 | £11,995 | £25,995 | Difference |
|---|---|---|---|
| Gross Salary | £11,995 | £25,995 | £14,000 |
| Income Tax | £0 | £2,685 | £2,685 |
| National Insurance | £0 | £1,074 | £1,074 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £11,995 | £22,236 | £10,241 |
| Take-Home (Monthly) | £1,000 | £1,853 | £853 |
| Effective Tax Rate | 0.0% | 14.5% | 14.5% |
£11,995
Gross£11,995
Take-Home£11,995
You Keep100.0%
£25,995
Gross£25,995
Take-Home£22,236
You Keep85.5%
Tax Band Analysis
Understanding where your money goes
£11,995
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£999.58
£25,995
Tax BandBasic Rate
Marginal Rate20%
Income Tax£2,685.00
National Insurance£1,074.00
Take Home (Monthly)£1,853.00
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 £853.42 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
£10,241.00/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £11,995 vs £25,995
£11,995
- Gross Pay£11,995.00
- Take Home (Year)£11,995.00
- Take Home (Month)£999.58
- Effective Tax Rate0.0%
£25,995
- Gross Pay£25,995.00
- Take Home (Year)£22,236.00
- Take Home (Month)£1,853.00
- Effective Tax Rate14.5%
The difference in take-home pay is £10,241 per year, which works out to £853.42 per month.