Updated for 2025/26
£15,095 vs £21,085 Salary Comparison
Compare a £15,095 salary against £21,085. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,990
per year
Take Home Extra
+£359.40
per month
You Keep
72%
of the raise
5-Year Gain
+£21,564
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 | £15,095 | £21,085 | Difference |
|---|---|---|---|
| Gross Salary | £15,095 | £21,085 | £5,990 |
| Income Tax | £505 | £1,703 | £1,198 |
| National Insurance | £202 | £681 | £479 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,388 | £18,701 | £4,313 |
| Take-Home (Monthly) | £1,199 | £1,558 | £359 |
| Effective Tax Rate | 4.7% | 11.3% | 6.6% |
£15,095
Gross£15,095
Take-Home£14,388
You Keep95.3%
£21,085
Gross£21,085
Take-Home£18,701
You Keep88.7%
Tax Band Analysis
Understanding where your money goes
£15,095
Tax BandBasic Rate
Marginal Rate20%
Income Tax£505.00
National Insurance£202.00
Take Home (Monthly)£1,199.00
£21,085
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,703.00
National Insurance£681.20
Take Home (Monthly)£1,558.40
What £359.40 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: £15,095 vs £21,085
£15,095
- Gross Pay£15,095.00
- Take Home (Year)£14,388.00
- Take Home (Month)£1,199.00
- Effective Tax Rate4.7%
£21,085
- Gross Pay£21,085.00
- Take Home (Year)£18,700.80
- Take Home (Month)£1,558.40
- Effective Tax Rate11.3%
The difference in take-home pay is £4,313 per year, which works out to £359.40 per month.