Updated for 2025/26
£31,590 vs £48,240 Salary Comparison
Compare a £31,590 salary against £48,240. 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 | £31,590 | £48,240 | Difference |
|---|---|---|---|
| Gross Salary | £31,590 | £48,240 | £16,650 |
| Income Tax | £3,804 | £7,134 | £3,330 |
| National Insurance | £1,522 | £2,854 | £1,332 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £26,264 | £38,252 | £11,988 |
| Take-Home (Monthly) | £2,189 | £3,188 | £999 |
| Effective Tax Rate | 16.9% | 20.7% | 3.8% |
£31,590
Gross£31,590
Take-Home£26,264
You Keep83.1%
£48,240
Gross£48,240
Take-Home£38,252
You Keep79.3%
Tax Band Analysis
Understanding where your money goes
£31,590
Tax BandBasic Rate
Marginal Rate20%
Income Tax£3,804.00
National Insurance£1,521.60
Take Home (Monthly)£2,188.70
£48,240
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,134.00
National Insurance£2,853.60
Take Home (Monthly)£3,187.70
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: £31,590 vs £48,240
£31,590
- Gross Pay£31,590.00
- Take Home (Year)£26,264.40
- Take Home (Month)£2,188.70
- Effective Tax Rate16.9%
£48,240
- Gross Pay£48,240.00
- Take Home (Year)£38,252.40
- Take Home (Month)£3,187.70
- Effective Tax Rate20.7%
The difference in take-home pay is £11,988 per year, which works out to £999.00 per month.