Updated for 2025/26
£15,475 vs £46,375 Salary Comparison
Compare a £15,475 salary against £46,375. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£30,900
per year
Take Home Extra
+£1,854.00
per month
You Keep
72%
of the raise
5-Year Gain
+£111,240
cumulative
Mid-Career Sweet Spot
This salary range often represents strong mid-career positions. You're still entirely in the basic rate tax band (20%), making raises very tax-efficient.
- Salary sacrifice for pension can be very efficient at this level
- Consider hybrid or remote roles - commuting costs can eat into raises
- This is often the best time to change industries for a salary bump
- Skills training and certifications can lead to significant jumps
Compare Salaries
Enter multiple salaries to compare take-home pay for 2025/26
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Comparison Results
| Metric | £15,475 | £46,375 | Difference |
|---|---|---|---|
| Gross Salary | £15,475 | £46,375 | £30,900 |
| Income Tax | £581 | £6,761 | £6,180 |
| National Insurance | £232 | £2,704 | £2,472 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £14,662 | £36,910 | £22,248 |
| Take-Home (Monthly) | £1,222 | £3,076 | £1,854 |
| Effective Tax Rate | 5.3% | 20.4% | 15.2% |
£15,475
Gross£15,475
Take-Home£14,662
You Keep94.7%
£46,375
Gross£46,375
Take-Home£36,910
You Keep79.6%
Tax Band Analysis
Understanding where your money goes
£15,475
Tax BandBasic Rate
Marginal Rate20%
Income Tax£581.00
National Insurance£232.40
Take Home (Monthly)£1,221.80
£46,375
Tax BandBasic Rate
Marginal Rate20%
Income Tax£6,761.00
National Insurance£2,704.40
Take Home (Monthly)£3,075.80
What £1,854.00 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
Savings Boost
£22,248.00/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £15,475 vs £46,375
£15,475
- Gross Pay£15,475.00
- Take Home (Year)£14,661.60
- Take Home (Month)£1,221.80
- Effective Tax Rate5.3%
£46,375
- Gross Pay£46,375.00
- Take Home (Year)£36,909.60
- Take Home (Month)£3,075.80
- Effective Tax Rate20.4%
The difference in take-home pay is £22,248 per year, which works out to £1,854.00 per month.