£40,000 vs £45,000 side by side
| £40,000 | £45,000 | |
|---|---|---|
| Gross salary | £40,000 | £45,000 |
| Take-home / year | £32,320 | £35,920 |
| Take-home / month | £2,693 | £2,993 |
| Income tax | £5,486 | £6,486 |
| National Insurance | £2,194 | £2,594 |
| Tax band | basic rate (20%) | basic rate (20%) |
| UK rank (all employees) | 63rd | 71st |
Both figures use rest-of-UK 2026/27 rates, 40h/week, no pension or student loan. See each in full: £40,000 · £45,000.
£40,000 vs £45,000 — FAQ
What's the take-home difference between £40,000 and £45,000?
£45,000 takes home about £3,600 a year more than £40,000 — 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.