Updated for 2025/26
£31,090 vs £48,370 Salary Comparison
Compare a £31,090 salary against £48,370. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£17,280
per year
Take Home Extra
+£1,036.80
per month
You Keep
72%
of the raise
5-Year Gain
+£62,208
cumulative
Mid-Career Sweet Spot
This salary range often represents strong mid-career positions. You're still entirely in the basic rate tax band (20%), making raises very tax-efficient.
- Salary sacrifice for pension can be very efficient at this level
- Consider hybrid or remote roles - commuting costs can eat into raises
- This is often the best time to change industries for a salary bump
- Skills training and certifications can lead to significant jumps
Compare Salaries
Enter multiple salaries to compare take-home pay for 2025/26
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Comparison Results
| Metric | £31,090 | £48,370 | Difference |
|---|---|---|---|
| Gross Salary | £31,090 | £48,370 | £17,280 |
| Income Tax | £3,704 | £7,160 | £3,456 |
| National Insurance | £1,482 | £2,864 | £1,382 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £25,904 | £38,346 | £12,442 |
| Take-Home (Monthly) | £2,159 | £3,196 | £1,037 |
| Effective Tax Rate | 16.7% | 20.7% | 4.0% |
£31,090
Gross£31,090
Take-Home£25,904
You Keep83.3%
£48,370
Gross£48,370
Take-Home£38,346
You Keep79.3%
Tax Band Analysis
Understanding where your money goes
£31,090
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,704.00
National Insurance£1,481.60
Take Home (Monthly)£2,158.70
£48,370
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,160.00
National Insurance£2,864.00
Take Home (Monthly)£3,195.50
What £1,036.80 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
£12,441.60/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £31,090 vs £48,370
£31,090
- Gross Pay£31,090.00
- Take Home (Year)£25,904.40
- Take Home (Month)£2,158.70
- Effective Tax Rate16.7%
£48,370
- Gross Pay£48,370.00
- Take Home (Year)£38,346.00
- Take Home (Month)£3,195.50
- Effective Tax Rate20.7%
The difference in take-home pay is £12,442 per year, which works out to £1,036.80 per month.