Updated for 2025/26
£12,318 vs £18,368 Salary Comparison
Compare a £12,318 salary against £18,368. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£6,050
per year
Take Home Extra
+£368.88
per month
You Keep
73%
of the raise
5-Year Gain
+£22,133
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 | £12,318 | £18,368 | Difference |
|---|---|---|---|
| Gross Salary | £12,318 | £18,368 | £6,050 |
| Income Tax | £0 | £1,160 | £1,160 |
| National Insurance | £0 | £464 | £464 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £12,318 | £16,745 | £4,427 |
| Take-Home (Monthly) | £1,027 | £1,395 | £369 |
| Effective Tax Rate | 0.0% | 8.8% | 8.8% |
£12,318
Gross£12,318
Take-Home£12,318
You Keep100.0%
£18,368
Gross£18,368
Take-Home£16,745
You Keep91.2%
Tax Band Analysis
Understanding where your money goes
£12,318
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£1,026.50
£18,368
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,159.60
National Insurance£463.84
Take Home (Monthly)£1,395.38
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 £368.88 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: £12,318 vs £18,368
£12,318
- Gross Pay£12,318.00
- Take Home (Year)£12,318.00
- Take Home (Month)£1,026.50
- Effective Tax Rate0.0%
£18,368
- Gross Pay£18,368.00
- Take Home (Year)£16,744.56
- Take Home (Month)£1,395.38
- Effective Tax Rate8.8%
The difference in take-home pay is £4,427 per year, which works out to £368.88 per month.