Updated for 2025/26
£15,109 vs £18,984 Salary Comparison
Compare a £15,109 salary against £18,984. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£3,875
per year
Take Home Extra
+£232.50
per month
You Keep
72%
of the raise
5-Year Gain
+£13,950
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 | £15,109 | £18,984 | Difference |
|---|---|---|---|
| Gross Salary | £15,109 | £18,984 | £3,875 |
| Income Tax | £508 | £1,283 | £775 |
| National Insurance | £203 | £513 | £310 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,398 | £17,188 | £2,790 |
| Take-Home (Monthly) | £1,200 | £1,432 | £233 |
| Effective Tax Rate | 4.7% | 9.5% | 4.8% |
£15,109
Gross£15,109
Take-Home£14,398
You Keep95.3%
£18,984
Gross£18,984
Take-Home£17,188
You Keep90.5%
Tax Band Analysis
Understanding where your money goes
£15,109
Tax BandBasic Rate
Marginal Rate20%
Income Tax£507.80
National Insurance£203.12
Take Home (Monthly)£1,199.84
£18,984
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,282.80
National Insurance£513.12
Take Home (Monthly)£1,432.34
What £232.50 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: £15,109 vs £18,984
£15,109
- Gross Pay£15,109.00
- Take Home (Year)£14,398.08
- Take Home (Month)£1,199.84
- Effective Tax Rate4.7%
£18,984
- Gross Pay£18,984.00
- Take Home (Year)£17,188.08
- Take Home (Month)£1,432.34
- Effective Tax Rate9.5%
The difference in take-home pay is £2,790 per year, which works out to £232.50 per month.