Updated for 2025/26
£31,452 vs £48,102 Salary Comparison
Compare a £31,452 salary against £48,102. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£16,650
per year
Take Home Extra
+£999.00
per month
You Keep
72%
of the raise
5-Year Gain
+£59,940
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 | £31,452 | £48,102 | Difference |
|---|---|---|---|
| Gross Salary | £31,452 | £48,102 | £16,650 |
| Income Tax | £3,776 | £7,106 | £3,330 |
| National Insurance | £1,511 | £2,843 | £1,332 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £26,165 | £38,153 | £11,988 |
| Take-Home (Monthly) | £2,180 | £3,179 | £999 |
| Effective Tax Rate | 16.8% | 20.7% | 3.9% |
£31,452
Gross£31,452
Take-Home£26,165
You Keep83.2%
£48,102
Gross£48,102
Take-Home£38,153
You Keep79.3%
Tax Band Analysis
Understanding where your money goes
£31,452
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,776.40
National Insurance£1,510.56
Take Home (Monthly)£2,180.42
£48,102
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,106.40
National Insurance£2,842.56
Take Home (Monthly)£3,179.42
What £999.00 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
£11,988.00/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £31,452 vs £48,102
£31,452
- Gross Pay£31,452.00
- Take Home (Year)£26,165.04
- Take Home (Month)£2,180.42
- Effective Tax Rate16.8%
£48,102
- Gross Pay£48,102.00
- Take Home (Year)£38,153.04
- Take Home (Month)£3,179.42
- Effective Tax Rate20.7%
The difference in take-home pay is £11,988 per year, which works out to £999.00 per month.