£18,000 a Year After Tax in the UK (2026/27)
On a £18,000 salary you take home £16,480 a year (£1,373 a month, £317 a week) in England, Wales and Northern Ireland, after £1,086 income tax and £434 National Insurance.
| Period | Gross | Take-home |
|---|---|---|
| Per year | £18,000 | £16,480 |
| Per month | £1,500 | £1,373 |
| Per 4 weeks | £1,385 | £1,268 |
| Per week | £346.15 | £316.92 |
| Per day (5-day week) | £69.23 | £63.38 |
| Per hour (37.5 hours) | £9.23 | £8.45 |
Adjust for pension, student loan or Scotland
How the tax on £18,000 is worked out
| Item | Per year | Per month |
|---|---|---|
| Gross salary | £18,000 | £1,500 |
| Tax-free Personal Allowance | £12,570 | £1,048 |
| Taxable income | £5,430 | £453 |
| Basic rate (20%) on £5,430 | £1,086 | £91 |
| Income tax | £1,086 | £91 |
| National Insurance | £434 | £36 |
| Take-home pay | £16,480 | £1,373 |
Altogether 8.4% of your gross pay goes in tax and National Insurance, and you keep 91.6%. This assumes the standard tax code (1257L), no pension and no student loan.
Your income is all taxed at the basic rate of 20% above the £12,570 Personal Allowance, with 8% National Insurance on top, so each extra £1 earned adds about 28p of deductions.
£18,000 after tax in Scotland
Scotland has its own income tax bands. On £18,000 a Scottish taxpayer pays £1,046 income tax and takes home £16,519 a year (£1,377 a month). That is £40 a year more than the rest of the UK.
£18,000 with a pension or student loan
Paying 5% of your salary into a pension (£900 a year) through net pay leaves you with £15,760 a year; through salary sacrifice, which also saves National Insurance, £15,832.
| Loan | Repaid per year | Take-home per year | Take-home per month |
|---|---|---|---|
| Plan 1 | £0 | £16,480 | £1,373 |
| Plan 2 | £0 | £16,480 | £1,373 |
| Plan 4 (Scotland) | £0 | £16,480 | £1,373 |
| Plan 5 | £0 | £16,480 | £1,373 |
| Postgraduate loan | £0 | £16,480 | £1,373 |
Where £18,000 sits
- That is 0.73 times a full-time National Living Wage salary (£24,785 on 37.5 hours a week at £12.71 an hour).
- £12,570 of it (70%) is covered by your tax-free Personal Allowance.
- All of your taxable pay is taxed at the basic rate of 20%, because it is below the £50,270 higher-rate threshold.
- You pay 8% National Insurance on £5,430.
- Student loans: Plan 1: no repayments (threshold £26,900); Plan 2: no repayments (threshold £29,385); Plan 5: no repayments (threshold £25,000).
Nearby salaries
| Salary | Per year | Per month | Per week |
|---|---|---|---|
| £15,000 | £14,320 | £1,193 | £275 |
| £16,000 | £15,040 | £1,253 | £289 |
| £17,000 | £15,760 | £1,313 | £303 |
| £19,000 | £17,200 | £1,433 | £331 |
| £20,000 | £17,920 | £1,493 | £345 |
| £21,000 | £18,640 | £1,553 | £358 |
Related
- £12 an hour equivalent
- Take-home pay calculator
- Pay rise calculator
- Tax codes
- National Insurance
- Student loans
Figures assume 2026/27 rates for England, Wales and Northern Ireland, one job, and the standard tax code. Source: GOV.UK. Use the take-home pay calculator for your own situation.
Frequently asked questions
How much is £18,000 a month after tax?
A salary of £18,000 gives you £1,373 a month after income tax and National Insurance in 2026/27 (England, Wales and Northern Ireland). In Scotland it is £1,377 a month.
How much tax do I pay on £18,000?
You pay £1,086 income tax a year on £18,000, plus £434 National Insurance. That is 8.4% of your gross salary.
What is £18,000 a year per hour?
On a 37.5-hour week, £18,000 a year is £9.23 an hour before tax (£8.45 after tax). On a 40-hour week it is £8.65 an hour before tax.
How much is £18,000 a week after tax?
You take home about £316.92 a week from a £18,000 salary in 2026/27.
Does a pension change my take-home pay on £18,000?
Yes. Paying 5% into a workplace pension through net pay reduces your take-home pay to £15,760 a year, a fall of only £720 even though £900 goes into your pension. With salary sacrifice it is £15,832.
Figures are for the 2026/27 tax year from official sources and are estimates for guidance only, not financial or legal advice. Printed from ukanswers.co.uk.