Updated for 2025/26
£16,521 vs £21,021 Salary Comparison
Compare a £16,521 salary against £21,021. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,500
per year
Take Home Extra
+£270.00
per month
You Keep
72%
of the raise
5-Year Gain
+£16,200
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 | £16,521 | £21,021 | Difference |
|---|---|---|---|
| Gross Salary | £16,521 | £21,021 | £4,500 |
| Income Tax | £790 | £1,690 | £900 |
| National Insurance | £316 | £676 | £360 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £15,415 | £18,655 | £3,240 |
| Take-Home (Monthly) | £1,285 | £1,555 | £270 |
| Effective Tax Rate | 6.7% | 11.3% | 4.6% |
£16,521
Gross£16,521
Take-Home£15,415
You Keep93.3%
£21,021
Gross£21,021
Take-Home£18,655
You Keep88.7%
Tax Band Analysis
Understanding where your money goes
£16,521
Tax BandBasic Rate
Marginal Rate20%
Income Tax£790.20
National Insurance£316.08
Take Home (Monthly)£1,284.56
£21,021
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,690.20
National Insurance£676.08
Take Home (Monthly)£1,554.56
What £270.00 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: £16,521 vs £21,021
£16,521
- Gross Pay£16,521.00
- Take Home (Year)£15,414.72
- Take Home (Month)£1,284.56
- Effective Tax Rate6.7%
£21,021
- Gross Pay£21,021.00
- Take Home (Year)£18,654.72
- Take Home (Month)£1,554.56
- Effective Tax Rate11.3%
The difference in take-home pay is £3,240 per year, which works out to £270.00 per month.