Updated for 2025/26
£12,200 vs £18,250 Salary Comparison
Compare a £12,200 salary against £18,250. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£6,050
per year
Take Home Extra
+£371.63
per month
You Keep
74%
of the raise
5-Year Gain
+£22,298
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 | £12,200 | £18,250 | Difference |
|---|---|---|---|
| Gross Salary | £12,200 | £18,250 | £6,050 |
| Income Tax | £0 | £1,136 | £1,136 |
| National Insurance | £0 | £454 | £454 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £12,200 | £16,660 | £4,460 |
| Take-Home (Monthly) | £1,017 | £1,388 | £372 |
| Effective Tax Rate | 0.0% | 8.7% | 8.7% |
£12,200
Gross£12,200
Take-Home£12,200
You Keep100.0%
£18,250
Gross£18,250
Take-Home£16,660
You Keep91.3%
Tax Band Analysis
Understanding where your money goes
£12,200
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£1,016.67
£18,250
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,136.00
National Insurance£454.40
Take Home (Monthly)£1,388.30
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 £371.63 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: £12,200 vs £18,250
£12,200
- Gross Pay£12,200.00
- Take Home (Year)£12,200.00
- Take Home (Month)£1,016.67
- Effective Tax Rate0.0%
£18,250
- Gross Pay£18,250.00
- Take Home (Year)£16,659.60
- Take Home (Month)£1,388.30
- Effective Tax Rate8.7%
The difference in take-home pay is £4,460 per year, which works out to £371.63 per month.