Updated for 2025/26
£21,005 vs £29,150 Salary Comparison
Compare a £21,005 salary against £29,150. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£8,145
per year
Take Home Extra
+£488.70
per month
You Keep
72%
of the raise
5-Year Gain
+£29,322
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 | £21,005 | £29,150 | Difference |
|---|---|---|---|
| Gross Salary | £21,005 | £29,150 | £8,145 |
| Income Tax | £1,687 | £3,316 | £1,629 |
| National Insurance | £675 | £1,326 | £652 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £18,643 | £24,508 | £5,864 |
| Take-Home (Monthly) | £1,554 | £2,042 | £489 |
| Effective Tax Rate | 11.2% | 15.9% | 4.7% |
£21,005
Gross£21,005
Take-Home£18,643
You Keep88.8%
£29,150
Gross£29,150
Take-Home£24,508
You Keep84.1%
Tax Band Analysis
Understanding where your money goes
£21,005
Tax BandBasic Rate
Marginal Rate20%
Income Tax£1,687.00
National Insurance£674.80
Take Home (Monthly)£1,553.60
£29,150
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,316.00
National Insurance£1,326.40
Take Home (Monthly)£2,042.30
What £488.70 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
£5,864.40/year extra into savings or investments
Full Comparison: £21,005 vs £29,150
£21,005
- Gross Pay£21,005.00
- Take Home (Year)£18,643.20
- Take Home (Month)£1,553.60
- Effective Tax Rate11.2%
£29,150
- Gross Pay£29,150.00
- Take Home (Year)£24,507.60
- Take Home (Month)£2,042.30
- Effective Tax Rate15.9%
The difference in take-home pay is £5,864 per year, which works out to £488.70 per month.