Updated for 2025/26
£48,276 vs £52,326 Salary Comparison
Compare a £48,276 salary against £52,326. Find out exactly how much more (or less) you will take home after tax.
Gross Difference
+£4,050
per year
Take Home Extra
+£219.01
per month
You Keep
65%
of the raise
5-Year Gain
+£13,141
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 | £48,276 | £52,326 | Difference |
|---|---|---|---|
| Gross Salary | £48,276 | £52,326 | £4,050 |
| Income Tax | £7,141 | £8,362 | £1,221 |
| National Insurance | £2,856 | £3,057 | £201 |
| Pension | £0 | £0 | £0 |
| Take-Home Pay (Yearly) | £38,278 | £40,906 | £2,628 |
| Take-Home (Monthly) | £3,190 | £3,409 | £219 |
| Effective Tax Rate | 20.7% | 21.8% | 1.1% |
£48,276
Gross£48,276
Take-Home£38,278
You Keep79.3%
£52,326
Gross£52,326
Take-Home£40,906
You Keep78.2%
Tax Band Analysis
Understanding where your money goes
£48,276
Tax BandBasic Rate
Marginal Rate20%
Income Tax£7,141.20
National Insurance£2,856.48
Take Home (Monthly)£3,189.86
£52,326
Tax BandHigher Rate
Marginal Rate40%
Income Tax£8,362.40
National Insurance£3,057.12
Take Home (Monthly)£3,408.87
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 £219.01 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: £48,276 vs £52,326
£48,276
- Gross Pay£48,276.00
- Take Home (Year)£38,278.32
- Take Home (Month)£3,189.86
- Effective Tax Rate20.7%
£52,326
- Gross Pay£52,326.00
- Take Home (Year)£40,906.48
- Take Home (Month)£3,408.87
- Effective Tax Rate21.8%
The difference in take-home pay is £2,628 per year, which works out to £219.01 per month.