Updated for 2025/26
£16,052 vs £20,102 Salary Comparison
Compare a £16,052 salary against £20,102. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,050
per year
Take Home Extra
+£243.00
per month
You Keep
72%
of the raise
5-Year Gain
+£14,580
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 | £16,052 | £20,102 | Difference |
|---|---|---|---|
| Gross Salary | £16,052 | £20,102 | £4,050 |
| Income Tax | £696 | £1,506 | £810 |
| National Insurance | £279 | £603 | £324 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £15,077 | £17,993 | £2,916 |
| Take-Home (Monthly) | £1,256 | £1,499 | £243 |
| Effective Tax Rate | 6.1% | 10.5% | 4.4% |
£16,052
Gross£16,052
Take-Home£15,077
You Keep93.9%
£20,102
Gross£20,102
Take-Home£17,993
You Keep89.5%
Tax Band Analysis
Understanding where your money goes
£16,052
Tax BandBasic Rate
Marginal Rate20%
Income Tax£696.40
National Insurance£278.56
Take Home (Monthly)£1,256.42
£20,102
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,506.40
National Insurance£602.56
Take Home (Monthly)£1,499.42
What £243.00 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: £16,052 vs £20,102
£16,052
- Gross Pay£16,052.00
- Take Home (Year)£15,077.04
- Take Home (Month)£1,256.42
- Effective Tax Rate6.1%
£20,102
- Gross Pay£20,102.00
- Take Home (Year)£17,993.04
- Take Home (Month)£1,499.42
- Effective Tax Rate10.5%
The difference in take-home pay is £2,916 per year, which works out to £243.00 per month.