Updated for 2025/26
£48,100 vs £88,100 Salary Comparison
Compare a £48,100 salary against £88,100. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£40,000
per year
Take Home Extra
+£1,958.65
per month
You Keep
59%
of the raise
5-Year Gain
+£117,519
cumulative
Higher Rate Tax Threshold
One or both salaries cross the higher rate threshold (£50,271.00). Above this, you pay 40% tax on additional earnings, so the actual take-home difference is smaller than it appears.
- Pension contributions above £50,271 save 40% tax - very valuable
- Consider salary sacrifice schemes for electric cars or cycle-to-work
- Above £60k, child benefit starts being clawed back (if applicable)
- Equity or bonus structures may be more tax-efficient than base salary
Compare Salaries
Enter multiple salaries to compare take-home pay for 2025/26
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Comparison Results
| Metric | £48,100 | £88,100 | Difference |
|---|---|---|---|
| Gross Salary | £48,100 | £88,100 | £40,000 |
| Income Tax | £7,106 | £22,672 | £15,566 |
| National Insurance | £2,842 | £3,773 | £930 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £38,152 | £61,655 | £23,504 |
| Take-Home (Monthly) | £3,179 | £5,138 | £1,959 |
| Effective Tax Rate | 20.7% | 30.0% | 9.3% |
£48,100
Gross£48,100
Take-Home£38,152
You Keep79.3%
£88,100
Gross£88,100
Take-Home£61,655
You Keep70.0%
Tax Band Analysis
Understanding where your money goes
£48,100
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,106.00
National Insurance£2,842.40
Take Home (Monthly)£3,179.30
£88,100
Tax BandHigher Rate
Marginal Rate40%
Income Tax£22,672.00
National Insurance£3,772.60
Take Home (Monthly)£5,137.95
Tax Band Change: This salary increase crosses from the Basic Rate (20%) into the Higher Rate (40%). The portion above £50,270.00 will be taxed at the higher rate.
What £1,958.65 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
£23,503.80/year extra into savings or investments
Car Payment
Could cover a decent car on PCP or lease
Full Comparison: £48,100 vs £88,100
£48,100
- Gross Pay£48,100.00
- Take Home (Year)£38,151.60
- Take Home (Month)£3,179.30
- Effective Tax Rate20.7%
£88,100
- Gross Pay£88,100.00
- Take Home (Year)£61,655.40
- Take Home (Month)£5,137.95
- Effective Tax Rate30.0%
The difference in take-home pay is £23,504 per year, which works out to £1,958.65 per month.