Updated for 2025/26
£20,471 vs £24,521 Salary Comparison
Compare a £20,471 salary against £24,521. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,050
per year
Take Home Extra
+£243.00
per month
You Keep
72%
of the raise
5-Year Gain
+£14,580
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 | £20,471 | £24,521 | Difference |
|---|---|---|---|
| Gross Salary | £20,471 | £24,521 | £4,050 |
| Income Tax | £1,580 | £2,390 | £810 |
| National Insurance | £632 | £956 | £324 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £18,259 | £21,175 | £2,916 |
| Take-Home (Monthly) | £1,522 | £1,765 | £243 |
| Effective Tax Rate | 10.8% | 13.6% | 2.8% |
£20,471
Gross£20,471
Take-Home£18,259
You Keep89.2%
£24,521
Gross£24,521
Take-Home£21,175
You Keep86.4%
Tax Band Analysis
Understanding where your money goes
£20,471
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,580.20
National Insurance£632.08
Take Home (Monthly)£1,521.56
£24,521
Tax BandBasic Rate
Marginal Rate20%
Income Tax£2,390.20
National Insurance£956.08
Take Home (Monthly)£1,764.56
What £243.00 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: £20,471 vs £24,521
£20,471
- Gross Pay£20,471.00
- Take Home (Year)£18,258.72
- Take Home (Month)£1,521.56
- Effective Tax Rate10.8%
£24,521
- Gross Pay£24,521.00
- Take Home (Year)£21,174.72
- Take Home (Month)£1,764.56
- Effective Tax Rate13.6%
The difference in take-home pay is £2,916 per year, which works out to £243.00 per month.