Updated for 2025/26
£12,436 vs £15,388 Salary Comparison
Compare a £12,436 salary against £15,388. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£2,952
per year
Take Home Extra
+£180.25
per month
You Keep
73%
of the raise
5-Year Gain
+£10,815
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 | £12,436 | £15,388 | Difference |
|---|---|---|---|
| Gross Salary | £12,436 | £15,388 | £2,952 |
| Income Tax | £0 | £564 | £564 |
| National Insurance | £0 | £225 | £225 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £12,436 | £14,599 | £2,163 |
| Take-Home (Monthly) | £1,036 | £1,217 | £180 |
| Effective Tax Rate | 0.0% | 5.1% | 5.1% |
£12,436
Gross£12,436
Take-Home£12,436
You Keep100.0%
£15,388
Gross£15,388
Take-Home£14,599
You Keep94.9%
Tax Band Analysis
Understanding where your money goes
£12,436
Tax BandPersonal Allowance
Marginal Rate0%
Income Tax£0.00
National Insurance£0.00
Take Home (Monthly)£1,036.33
£15,388
Tax BandBasic Rate
Marginal Rate20%
Income Tax£563.60
National Insurance£225.44
Take Home (Monthly)£1,216.58
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 £180.25 Extra Buys You
Real-world value of the take-home difference
Monthly Subscriptions
Netflix, Spotify, gym - £100.00/mo
Full Comparison: £12,436 vs £15,388
£12,436
- Gross Pay£12,436.00
- Take Home (Year)£12,436.00
- Take Home (Month)£1,036.33
- Effective Tax Rate0.0%
£15,388
- Gross Pay£15,388.00
- Take Home (Year)£14,598.96
- Take Home (Month)£1,216.58
- Effective Tax Rate5.1%
The difference in take-home pay is £2,163 per year, which works out to £180.25 per month.