Updated for 2025/26
£13,099 vs £18,099 Salary Comparison
Compare a £13,099 salary against £18,099. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,000
per year
Take Home Extra
+£300.00
per month
You Keep
72%
of the raise
5-Year Gain
+£18,000
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 | £13,099 | £18,099 | Difference |
|---|---|---|---|
| Gross Salary | £13,099 | £18,099 | £5,000 |
| Income Tax | £106 | £1,106 | £1,000 |
| National Insurance | £42 | £442 | £400 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £12,951 | £16,551 | £3,600 |
| Take-Home (Monthly) | £1,079 | £1,379 | £300 |
| Effective Tax Rate | 1.1% | 8.6% | 7.4% |
£13,099
Gross£13,099
Take-Home£12,951
You Keep98.9%
£18,099
Gross£18,099
Take-Home£16,551
You Keep91.4%
Tax Band Analysis
Understanding where your money goes
£13,099
Tax BandBasic Rate
Marginal Rate20%
Income Tax£105.80
National Insurance£42.32
Take Home (Monthly)£1,079.24
£18,099
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,105.80
National Insurance£442.32
Take Home (Monthly)£1,379.24
What £300.00 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
Full Comparison: £13,099 vs £18,099
£13,099
- Gross Pay£13,099.00
- Take Home (Year)£12,950.88
- Take Home (Month)£1,079.24
- Effective Tax Rate1.1%
£18,099
- Gross Pay£18,099.00
- Take Home (Year)£16,550.88
- Take Home (Month)£1,379.24
- Effective Tax Rate8.6%
The difference in take-home pay is £3,600 per year, which works out to £300.00 per month.