Updated for 2025/26
£42,515 vs £48,749 Salary Comparison
Compare a £42,515 salary against £48,749. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£6,234
per year
Take Home Extra
+£374.04
per month
You Keep
72%
of the raise
5-Year Gain
+£22,442
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 | £42,515 | £48,749 | Difference |
|---|---|---|---|
| Gross Salary | £42,515 | £48,749 | £6,234 |
| Income Tax | £5,989 | £7,236 | £1,247 |
| National Insurance | £2,396 | £2,894 | £499 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £34,130 | £38,619 | £4,488 |
| Take-Home (Monthly) | £2,844 | £3,218 | £374 |
| Effective Tax Rate | 19.7% | 20.8% | 1.1% |
£42,515
Gross£42,515
Take-Home£34,130
You Keep80.3%
£48,749
Gross£48,749
Take-Home£38,619
You Keep79.2%
Tax Band Analysis
Understanding where your money goes
£42,515
Tax BandBasic Rate
Marginal Rate20%
Income Tax£5,989.00
National Insurance£2,395.60
Take Home (Monthly)£2,844.20
£48,749
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,235.80
National Insurance£2,894.32
Take Home (Monthly)£3,218.24
What £374.04 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: £42,515 vs £48,749
£42,515
- Gross Pay£42,515.00
- Take Home (Year)£34,130.40
- Take Home (Month)£2,844.20
- Effective Tax Rate19.7%
£48,749
- Gross Pay£48,749.00
- Take Home (Year)£38,618.88
- Take Home (Month)£3,218.24
- Effective Tax Rate20.8%
The difference in take-home pay is £4,488 per year, which works out to £374.04 per month.