Updated for 2025/26
£14,974 vs £18,096 Salary Comparison
Compare a £14,974 salary against £18,096. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£3,122
per year
Take Home Extra
+£187.32
per month
You Keep
72%
of the raise
5-Year Gain
+£11,239
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 | £14,974 | £18,096 | Difference |
|---|---|---|---|
| Gross Salary | £14,974 | £18,096 | £3,122 |
| Income Tax | £481 | £1,105 | £624 |
| National Insurance | £192 | £442 | £250 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,301 | £16,549 | £2,248 |
| Take-Home (Monthly) | £1,192 | £1,379 | £187 |
| Effective Tax Rate | 4.5% | 8.6% | 4.1% |
£14,974
Gross£14,974
Take-Home£14,301
You Keep95.5%
£18,096
Gross£18,096
Take-Home£16,549
You Keep91.4%
Tax Band Analysis
Understanding where your money goes
£14,974
Tax BandBasic Rate
Marginal Rate20%
Income Tax£480.80
National Insurance£192.32
Take Home (Monthly)£1,191.74
£18,096
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,105.20
National Insurance£442.08
Take Home (Monthly)£1,379.06
What £187.32 Extra Buys You
Real-world value of the take-home difference
Monthly Subscriptions
Netflix, Spotify, gym - £100.00/mo
Full Comparison: £14,974 vs £18,096
£14,974
- Gross Pay£14,974.00
- Take Home (Year)£14,300.88
- Take Home (Month)£1,191.74
- Effective Tax Rate4.5%
£18,096
- Gross Pay£18,096.00
- Take Home (Year)£16,548.72
- Take Home (Month)£1,379.06
- Effective Tax Rate8.6%
The difference in take-home pay is £2,248 per year, which works out to £187.32 per month.