If you think the extra 5% from year 4 to 5 will make the difference you are sadly deluded. We shall talk again next March when, if you have 92.5k on your P60 i will gladly buy you a pint (unless you are on training increments..that would be cheating!)
The current UK command contract is most likely as good as it will ever be. It's downhill from here and unfortunately I think next year's new upgrades will face the brunt of it.
You wouldn't see 92.5k on your P60. The number on your p60 shows taxable pay so will not include your pension contributions (several thousand probably), non-taxable sector pay (approx £4000), any BAYE contributions (probably £1500), and nightstop allowances. Airbrake has quoted accurate figures, why argue with them?