Updated for 2025/26
£16,442 vs £21,442 Salary Comparison
Compare a £16,442 salary against £21,442. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£5,000
per year
Take Home Extra
+£300.00
per month
You Keep
72%
of the raise
5-Year Gain
+£18,000
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 | £16,442 | £21,442 | Difference |
|---|---|---|---|
| Gross Salary | £16,442 | £21,442 | £5,000 |
| Income Tax | £774 | £1,774 | £1,000 |
| National Insurance | £310 | £710 | £400 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £15,358 | £18,958 | £3,600 |
| Take-Home (Monthly) | £1,280 | £1,580 | £300 |
| Effective Tax Rate | 6.6% | 11.6% | 5.0% |
£16,442
Gross£16,442
Take-Home£15,358
You Keep93.4%
£21,442
Gross£21,442
Take-Home£18,958
You Keep88.4%
Tax Band Analysis
Understanding where your money goes
£16,442
Tax BandBasic Rate
Marginal Rate20%
Income Tax£774.40
National Insurance£309.76
Take Home (Monthly)£1,279.82
£21,442
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,774.40
National Insurance£709.76
Take Home (Monthly)£1,579.82
What £300.00 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: £16,442 vs £21,442
£16,442
- Gross Pay£16,442.00
- Take Home (Year)£15,357.84
- Take Home (Month)£1,279.82
- Effective Tax Rate6.6%
£21,442
- Gross Pay£21,442.00
- Take Home (Year)£18,957.84
- Take Home (Month)£1,579.82
- Effective Tax Rate11.6%
The difference in take-home pay is £3,600 per year, which works out to £300.00 per month.