Updated for 2025/26
£13,972 vs £18,022 Salary Comparison
Compare a £13,972 salary against £18,022. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,050
per year
Take Home Extra
+£243.00
per month
You Keep
72%
of the raise
5-Year Gain
+£14,580
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 | £13,972 | £18,022 | Difference |
|---|---|---|---|
| Gross Salary | £13,972 | £18,022 | £4,050 |
| Income Tax | £280 | £1,090 | £810 |
| National Insurance | £112 | £436 | £324 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £13,579 | £16,495 | £2,916 |
| Take-Home (Monthly) | £1,132 | £1,375 | £243 |
| Effective Tax Rate | 2.8% | 8.5% | 5.7% |
£13,972
Gross£13,972
Take-Home£13,579
You Keep97.2%
£18,022
Gross£18,022
Take-Home£16,495
You Keep91.5%
Tax Band Analysis
Understanding where your money goes
£13,972
Tax BandBasic Rate
Marginal Rate20%
Income Tax£280.40
National Insurance£112.16
Take Home (Monthly)£1,131.62
£18,022
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,090.40
National Insurance£436.16
Take Home (Monthly)£1,374.62
What £243.00 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: £13,972 vs £18,022
£13,972
- Gross Pay£13,972.00
- Take Home (Year)£13,579.44
- Take Home (Month)£1,131.62
- Effective Tax Rate2.8%
£18,022
- Gross Pay£18,022.00
- Take Home (Year)£16,495.44
- Take Home (Month)£1,374.62
- Effective Tax Rate8.5%
The difference in take-home pay is £2,916 per year, which works out to £243.00 per month.