Updated for 2025/26
£12,901 vs £21,001 Salary Comparison
Compare a £12,901 salary against £21,001. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£8,100
per year
Take Home Extra
+£486.00
per month
You Keep
72%
of the raise
5-Year Gain
+£29,160
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 | £12,901 | £21,001 | Difference |
|---|---|---|---|
| Gross Salary | £12,901 | £21,001 | £8,100 |
| Income Tax | £66 | £1,686 | £1,620 |
| National Insurance | £26 | £674 | £648 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £12,808 | £18,640 | £5,832 |
| Take-Home (Monthly) | £1,067 | £1,553 | £486 |
| Effective Tax Rate | 0.7% | 11.2% | 10.5% |
£12,901
Gross£12,901
Take-Home£12,808
You Keep99.3%
£21,001
Gross£21,001
Take-Home£18,640
You Keep88.8%
Tax Band Analysis
Understanding where your money goes
£12,901
Tax BandBasic Rate
Marginal Rate20%
Income Tax£66.20
National Insurance£26.48
Take Home (Monthly)£1,067.36
£21,001
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,686.20
National Insurance£674.48
Take Home (Monthly)£1,553.36
What £486.00 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
£5,832.00/year extra into savings or investments
Full Comparison: £12,901 vs £21,001
£12,901
- Gross Pay£12,901.00
- Take Home (Year)£12,808.32
- Take Home (Month)£1,067.36
- Effective Tax Rate0.7%
£21,001
- Gross Pay£21,001.00
- Take Home (Year)£18,640.32
- Take Home (Month)£1,553.36
- Effective Tax Rate11.2%
The difference in take-home pay is £5,832 per year, which works out to £486.00 per month.