£12,000 after tax (2026/27)
Tax year 2026/27 · England, Wales and Northern Ireland unless stated
On a £12,000 salary you take home £1,000.00 a month, £12,000 a year, or £230.77 a week.
That’s an effective deduction rate of 0%: £0 income tax and £0 National Insurance a year.
Pay: £12000 a year · England, Wales or NI · 2026/27
Your take-home pay
£1,000.00 a month
£12,000 a year · £230.77 a week
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £12,000 | £1,000.00 | £230.77 |
| Taxable pay | £12,000 | £1,000.00 | £230.77 |
Income taxNo income tax to pay. | −£0 | −£0.00 | −£0.00 |
| National Insurance | −£0 | −£0.00 | −£0.00 |
| Take-home pay | £12,000 | £1,000.00 | £230.77 |
| Item | Month |
|---|---|
| Gross pay | £1,000.00 |
| Taxable pay | £1,000.00 |
Income taxNo income tax to pay. | −£0.00 |
| National Insurance | −£0.00 |
| Take-home pay | £1,000.00 |
Where your pay goes
- Take-home pay: £12,000 a year (100%)
Key rates
Effective deduction rate: 0%
Of your next £100 of pay you keep £100.00
Things to know
Warning: Below the National Living Wage
At 37.5 hours a week this works out at £6.15 an hour, below the National Living Wage for workers aged 21 and over (£12.71 an hour).
Employer cost
- Employer National Insurance
- £1,050 a year
- Total cost to your employer
- £13,050 a year
Excludes any employer pension contribution.
Estimate for the 2026/27 tax year using 1257L (default code). Rates verified against HMRC on 5 October 2026. Estimate only, not financial or tax advice. How we calculate →
Full breakdown of £12,000 after tax
| Item | Year | Month | 4 weeks | Week | Day | Hour |
|---|---|---|---|---|---|---|
| Gross pay | £12,000 | £1,000.00 | £923.08 | £230.77 | £46.15 | £6.15 |
| Taxable pay | £12,000 | £1,000.00 | £923.08 | £230.77 | £46.15 | £6.15 |
| Income tax | −£0 | −£0.00 | −£0.00 | −£0.00 | −£0.00 | −£0.00 |
| National Insurance | −£0 | −£0.00 | −£0.00 | −£0.00 | −£0.00 | −£0.00 |
| Take-home pay | £12,000 | £1,000.00 | £923.08 | £230.77 | £46.15 | £6.15 |
Day figures assume 5 days a week; hour figures assume 37.5 hours a week.
£12,000 after tax in Scotland
| Item | England, Wales, NI | Scotland |
|---|---|---|
| Income tax a year | £0.00 | £0.00 |
| National Insurance a year | £0.00 | £0.00 |
| Take-home a month | £1,000.00 | £1,000.00 |
| Take-home a year | £12,000 | £12,000 |
Scottish taxpayers take home the same as the rest of the UK on £12,000.
Compared with last tax year
In 2025/26 a £12,000 salary gave £12,000 a year after tax (£1,000.00 a month). In 2026/27 it’s £12,000, exactly the same.
£12,000 after tax with a pension
| Contribution | Relief at source | Salary sacrifice | Extra with sacrifice (year) |
|---|---|---|---|
| 3% (£360 a year) | £976.00 | £970.00 | −£72 |
| 5% (£600 a year) | £960.00 | £950.00 | −£120 |
| 8% (£960 a year) | £936.00 | £920.00 | −£192 |
| 10% (£1,200 a year) | £920.00 | £900.00 | −£240 |
Salary sacrifice also saves National Insurance, so it leaves you with more each month for the same pension contribution. Relief at source figures exclude any extra relief higher-rate taxpayers can claim back.
£12,000 after tax with a student loan
| Plan | Repayment a year | Take-home a month |
|---|---|---|
| Plan 1 | £0.00 | £1,000.00 |
| Plan 2 | £0.00 | £1,000.00 |
| Plan 4 | £0.00 | £1,000.00 |
| Plan 5 | £0.00 | £1,000.00 |
| Postgraduate Loan | £0.00 | £1,000.00 |
If you earned more
If you earned £1,000 more you’d keep £879.60 of it after tax and National Insurance.
You’re within the tax-free Personal Allowance of £12,570.
How £12,000 compares
A £12,000 salary is lower than about 90% of full-time employees in the UK (ONS ASHE 2024).
Source: ONS Annual Survey of Hours and Earnings 2024, gross annual pay for full-time employees.
Things to know at £12,000
Below the National Living Wage
At 37.5 hours a week this works out at £6.15 an hour, below the National Living Wage for workers aged 21 and over (£12.71 an hour).
Nearby salaries
- £10,000 after tax
- £11,000 after tax
- £11,500 after tax
- £12,500 after tax
- £13,000 after tax
- £14,000 after tax
Paid by the hour? £12,000 full-time (37.5 hours a week) is about £6.15 an hour. See £7.55 an hour after tax.
Frequently asked questions
How much is £12,000 a month after tax?
£12,000 a year is £1,000.00 a month after income tax and National Insurance in 2026/27, for someone in England, Wales or Northern Ireland on the standard tax code with no pension or student loan.
How much is £12,000 a week after tax?
You take home £230.77 a week (£12,000 a year divided by 52).
How much income tax do I pay on £12,000?
You pay £0.00 income tax a year (£0.00 a month) in 2026/27. Your Personal Allowance is £12,570.
How much National Insurance do I pay on £12,000?
You pay £0.00 National Insurance a year (£0.00 a month) in 2026/27.
Figures for 2026/27, verified against HMRC on 5 October 2026.
Sources:HMRC rates and thresholds for employers, Income Tax rates and Personal Allowances, Income Tax in Scotland. Methodology →