Updated for 2025/26
£15,225 vs £20,175 Salary Comparison
Compare a £15,225 salary against £20,175. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,950
per year
Take Home Extra
+£297.00
per month
You Keep
72%
of the raise
5-Year Gain
+£17,820
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
£
£
Comparison Results
| Metric | £15,225 | £20,175 | Difference |
|---|---|---|---|
| Gross Salary | £15,225 | £20,175 | £4,950 |
| Income Tax | £531 | £1,521 | £990 |
| National Insurance | £212 | £608 | £396 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,482 | £18,046 | £3,564 |
| Take-Home (Monthly) | £1,207 | £1,504 | £297 |
| Effective Tax Rate | 4.9% | 10.6% | 5.7% |
£15,225
Gross£15,225
Take-Home£14,482
You Keep95.1%
£20,175
Gross£20,175
Take-Home£18,046
You Keep89.4%
Tax Band Analysis
Understanding where your money goes
£15,225
Tax BandBasic Rate
Marginal Rate20%
Income Tax£531.00
National Insurance£212.40
Take Home (Monthly)£1,206.80
£20,175
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,521.00
National Insurance£608.40
Take Home (Monthly)£1,503.80
What £297.00 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: £15,225 vs £20,175
£15,225
- Gross Pay£15,225.00
- Take Home (Year)£14,481.60
- Take Home (Month)£1,206.80
- Effective Tax Rate4.9%
£20,175
- Gross Pay£20,175.00
- Take Home (Year)£18,045.60
- Take Home (Month)£1,503.80
- Effective Tax Rate10.6%
The difference in take-home pay is £3,564 per year, which works out to £297.00 per month.