Updated for 2025/26
£18,925 vs £23,925 Salary Comparison
Compare a £18,925 salary against £23,925. 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
£
£
Comparison Results
| Metric | £18,925 | £23,925 | Difference |
|---|---|---|---|
| Gross Salary | £18,925 | £23,925 | £5,000 |
| Income Tax | £1,271 | £2,271 | £1,000 |
| National Insurance | £508 | £908 | £400 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £17,146 | £20,746 | £3,600 |
| Take-Home (Monthly) | £1,429 | £1,729 | £300 |
| Effective Tax Rate | 9.4% | 13.3% | 3.9% |
£18,925
Gross£18,925
Take-Home£17,146
You Keep90.6%
£23,925
Gross£23,925
Take-Home£20,746
You Keep86.7%
Tax Band Analysis
Understanding where your money goes
£18,925
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,271.00
National Insurance£508.40
Take Home (Monthly)£1,428.80
£23,925
Tax BandBasic Rate
Marginal Rate20%
Income Tax£2,271.00
National Insurance£908.40
Take Home (Monthly)£1,728.80
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: £18,925 vs £23,925
£18,925
- Gross Pay£18,925.00
- Take Home (Year)£17,145.60
- Take Home (Month)£1,428.80
- Effective Tax Rate9.4%
£23,925
- Gross Pay£23,925.00
- Take Home (Year)£20,745.60
- Take Home (Month)£1,728.80
- Effective Tax Rate13.3%
The difference in take-home pay is £3,600 per year, which works out to £300.00 per month.