Updated for 2025/26
£18,004 vs £28,004 Salary Comparison
Compare a £18,004 salary against £28,004. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£10,000
per year
Take Home Extra
+£600.00
per month
You Keep
72%
of the raise
5-Year Gain
+£36,000
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 | £18,004 | £28,004 | Difference |
|---|---|---|---|
| Gross Salary | £18,004 | £28,004 | £10,000 |
| Income Tax | £1,087 | £3,087 | £2,000 |
| National Insurance | £435 | £1,235 | £800 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £16,482 | £23,682 | £7,200 |
| Take-Home (Monthly) | £1,374 | £1,974 | £600 |
| Effective Tax Rate | 8.5% | 15.4% | 7.0% |
£18,004
Gross£18,004
Take-Home£16,482
You Keep91.5%
£28,004
Gross£28,004
Take-Home£23,682
You Keep84.6%
Tax Band Analysis
Understanding where your money goes
£18,004
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,086.80
National Insurance£434.72
Take Home (Monthly)£1,373.54
£28,004
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,086.80
National Insurance£1,234.72
Take Home (Monthly)£1,973.54
What £600.00 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
£7,200.00/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £18,004 vs £28,004
£18,004
- Gross Pay£18,004.00
- Take Home (Year)£16,482.48
- Take Home (Month)£1,373.54
- Effective Tax Rate8.5%
£28,004
- Gross Pay£28,004.00
- Take Home (Year)£23,682.48
- Take Home (Month)£1,973.54
- Effective Tax Rate15.4%
The difference in take-home pay is £7,200 per year, which works out to £600.00 per month.