Updated for 2025/26
£18,225 vs £31,725 Salary Comparison
Compare a £18,225 salary against £31,725. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£13,500
per year
Take Home Extra
+£810.00
per month
You Keep
72%
of the raise
5-Year Gain
+£48,600
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
£
£
Comparison Results
| Metric | £18,225 | £31,725 | Difference |
|---|---|---|---|
| Gross Salary | £18,225 | £31,725 | £13,500 |
| Income Tax | £1,131 | £3,831 | £2,700 |
| National Insurance | £452 | £1,532 | £1,080 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £16,642 | £26,362 | £9,720 |
| Take-Home (Monthly) | £1,387 | £2,197 | £810 |
| Effective Tax Rate | 8.7% | 16.9% | 8.2% |
£18,225
Gross£18,225
Take-Home£16,642
You Keep91.3%
£31,725
Gross£31,725
Take-Home£26,362
You Keep83.1%
Tax Band Analysis
Understanding where your money goes
£18,225
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,131.00
National Insurance£452.40
Take Home (Monthly)£1,386.80
£31,725
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,831.00
National Insurance£1,532.40
Take Home (Monthly)£2,196.80
What £810.00 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
£9,720.00/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £18,225 vs £31,725
£18,225
- Gross Pay£18,225.00
- Take Home (Year)£16,641.60
- Take Home (Month)£1,386.80
- Effective Tax Rate8.7%
£31,725
- Gross Pay£31,725.00
- Take Home (Year)£26,361.60
- Take Home (Month)£2,196.80
- Effective Tax Rate16.9%
The difference in take-home pay is £9,720 per year, which works out to £810.00 per month.