£20,000 vs £25,000 side by side
| £20,000 | £25,000 | |
|---|---|---|
| Gross salary | £20,000 | £25,000 |
| Take-home / year | £17,920 | £21,520 |
| Take-home / month | £1,493 | £1,793 |
| Income tax | £1,486 | £2,486 |
| National Insurance | £594 | £994 |
| Tax band | basic rate (20%) | basic rate (20%) |
| UK rank (all employees) | 22nd | 31st |
Both figures use rest-of-UK 2026/27 rates, 40h/week, no pension or student loan. See each in full: £20,000 · £25,000.
£20,000 vs £25,000 — FAQ
What's the take-home difference between £20,000 and £25,000?
£25,000 takes home about £3,600 a year more than £20,000 — roughly £300 a month — after tax and National Insurance (2026/27).
How much of the £5,000 pay rise do you actually keep?
About 72% of it. Of the £5,000 extra gross, you keep £3,600 after income tax and National Insurance; the rest goes in tax at your marginal rate.