Updated for 2025/26
£42,271 vs £46,321 Salary Comparison
Compare a £42,271 salary against £46,321. 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
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 | £42,271 | £46,321 | Difference |
|---|---|---|---|
| Gross Salary | £42,271 | £46,321 | £4,050 |
| Income Tax | £5,940 | £6,750 | £810 |
| National Insurance | £2,376 | £2,700 | £324 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £33,955 | £36,871 | £2,916 |
| Take-Home (Monthly) | £2,830 | £3,073 | £243 |
| Effective Tax Rate | 19.7% | 20.4% | 0.7% |
£42,271
Gross£42,271
Take-Home£33,955
You Keep80.3%
£46,321
Gross£46,321
Take-Home£36,871
You Keep79.6%
Tax Band Analysis
Understanding where your money goes
£42,271
Tax BandBasic Rate
Marginal Rate20%
Income Tax£5,940.20
National Insurance£2,376.08
Take Home (Monthly)£2,829.56
£46,321
Tax BandBasic Rate
Marginal Rate20%
Income Tax£6,750.20
National Insurance£2,700.08
Take Home (Monthly)£3,072.56
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: £42,271 vs £46,321
£42,271
- Gross Pay£42,271.00
- Take Home (Year)£33,954.72
- Take Home (Month)£2,829.56
- Effective Tax Rate19.7%
£46,321
- Gross Pay£46,321.00
- Take Home (Year)£36,870.72
- Take Home (Month)£3,072.56
- Effective Tax Rate20.4%
The difference in take-home pay is £2,916 per year, which works out to £243.00 per month.