Updated for 2025/26
£12,335 vs £15,980 Salary Comparison
Compare a £12,335 salary against £15,980. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£3,645
per year
Take Home Extra
+£224.18
per month
You Keep
74%
of the raise
5-Year Gain
+£13,451
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 | £12,335 | £15,980 | Difference |
|---|---|---|---|
| Gross Salary | £12,335 | £15,980 | £3,645 |
| Income Tax | £0 | £682 | £682 |
| National Insurance | £0 | £273 | £273 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £12,335 | £15,025 | £2,690 |
| Take-Home (Monthly) | £1,028 | £1,252 | £224 |
| Effective Tax Rate | 0.0% | 6.0% | 6.0% |
£12,335
Gross£12,335
Take-Home£12,335
You Keep100.0%
£15,980
Gross£15,980
Take-Home£15,025
You Keep94.0%
Tax Band Analysis
Understanding where your money goes
£12,335
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£1,027.92
£15,980
Tax BandBasic Rate
Marginal Rate20%
Income Tax£682.00
National Insurance£272.80
Take Home (Monthly)£1,252.10
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 £224.18 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: £12,335 vs £15,980
£12,335
- Gross Pay£12,335.00
- Take Home (Year)£12,335.00
- Take Home (Month)£1,027.92
- Effective Tax Rate0.0%
£15,980
- Gross Pay£15,980.00
- Take Home (Year)£15,025.20
- Take Home (Month)£1,252.10
- Effective Tax Rate6.0%
The difference in take-home pay is £2,690 per year, which works out to £224.18 per month.