Updated for 2025/26
£18,318 vs £28,318 Salary Comparison
Compare a £18,318 salary against £28,318. 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 | £18,318 | £28,318 | Difference |
|---|---|---|---|
| Gross Salary | £18,318 | £28,318 | £10,000 |
| Income Tax | £1,150 | £3,150 | £2,000 |
| National Insurance | £460 | £1,260 | £800 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £16,709 | £23,909 | £7,200 |
| Take-Home (Monthly) | £1,392 | £1,992 | £600 |
| Effective Tax Rate | 8.8% | 15.6% | 6.8% |
£18,318
Gross£18,318
Take-Home£16,709
You Keep91.2%
£28,318
Gross£28,318
Take-Home£23,909
You Keep84.4%
Tax Band Analysis
Understanding where your money goes
£18,318
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,149.60
National Insurance£459.84
Take Home (Monthly)£1,392.38
£28,318
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,149.60
National Insurance£1,259.84
Take Home (Monthly)£1,992.38
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: £18,318 vs £28,318
£18,318
- Gross Pay£18,318.00
- Take Home (Year)£16,708.56
- Take Home (Month)£1,392.38
- Effective Tax Rate8.8%
£28,318
- Gross Pay£28,318.00
- Take Home (Year)£23,908.56
- Take Home (Month)£1,992.38
- Effective Tax Rate15.6%
The difference in take-home pay is £7,200 per year, which works out to £600.00 per month.