| Yearly | Monthly | Weekly | |
|---|---|---|---|
| Gross salary | £18,000 | £1,500 | £346 |
| Income Tax | −£1,086 | −£91 | −£21 |
| National Insurance | −£434 | −£36 | −£8 |
| Take-home pay | £16,480 | £1,373 | £317 |
You keep about 92% of your gross pay. Figures use the 2026/27 rates with a standard 1257L tax code, no pension and no student loan.
- Take-home pay£16,48092%
- Income tax£1,0866%
- National Insurance£4342%
What is £18,000 after tax?
If you earn £18,000 a year in the UK, you take home £16,480 after deductions in the 2026/27 tax year — roughly £1,373 a month. An estimated £1,086 of Income Tax and £434 of employee National Insurance would be deducted through PAYE before you're paid. The first £12,570 of your salary is covered by the tax-free personal allowance. Only the part of your salary above the £12,570 personal allowance is taxed, so your deductions are relatively small. Income Tax begins at 20% and National Insurance at 8% on earnings above that threshold.
This is the standard take-home. Paying into a pension, repaying a student loan, or living in Scotland (which has its own Income Tax bands) will change the figure — the take-home pay calculator lets you add all of those.
Salaries near £18,000
Popular salaries
Frequently asked questions
How much is £18,000 after tax?
£18,000 a year is £16,480 after tax in the 2026/27 tax year — that's about £1,373 a month or £317 a week. You pay £1,086 in Income Tax and £434 in National Insurance, keeping roughly 92% of your gross pay. This assumes a standard 1257L tax code with no pension or student loan deductions.
How much is £18,000 a year per month after tax?
£18,000 a year works out at about £1,373 a month after Income Tax and National Insurance. Before tax, £18,000 ÷ 12 is £1,500 a month gross.
How much tax do I pay on £18,000?
On a £18,000 salary you pay £1,086 in Income Tax and £434 in employee National Insurance for 2026/27 — £1,520 in total. The first £12,570 of your salary is covered by the tax-free personal allowance. Only the part of your salary above the £12,570 personal allowance is taxed, so your deductions are relatively small. Income Tax begins at 20% and National Insurance at 8% on earnings above that threshold.
Does this include pension or student loan?
No — this figure is the standard take-home with just Income Tax and National Insurance on a 1257L tax code. Pension contributions, a student loan plan, salary sacrifice or living in Scotland will change it. Use the full take-home calculator to add those.
Sources — official UK figures
Last reviewed June 2026 against official rates · How we calculate →
Results are for illustrative purposes only and assume a single employment with a standard tax code. For personalised tax advice, consult a qualified accountant or HMRC directly.