£18,000 after tax (2026/27)
Tax year 2026/27 · England, Wales and Northern Ireland unless stated
On a £18,000 salary you take home £1,373.30 a month, £16,480 a year, or £316.92 a week.
That’s an effective deduction rate of 8.4%: £1,086 income tax and £434 National Insurance a year.
Pay: £18000 a year · England, Wales or NI · 2026/27
Your take-home pay
£1,373.30 a month
£16,480 a year · £316.92 a week
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £18,000 | £1,500.00 | £346.15 |
| Taxable pay | £18,000 | £1,500.00 | £346.15 |
Income tax
| −£1,086 | −£90.50 | −£20.88 |
| National Insurance | −£434 | −£36.20 | −£8.35 |
| Take-home pay | £16,480 | £1,373.30 | £316.92 |
| Item | Month |
|---|---|
| Gross pay | £1,500.00 |
| Taxable pay | £1,500.00 |
Income tax
| −£90.50 |
| National Insurance | −£36.20 |
| Take-home pay | £1,373.30 |
Where your pay goes
- Take-home pay: £16,480 a year (91.6%)
- Income tax: £1,086 a year (6%)
- National Insurance: £434 a year (2.4%)
Key rates
Effective deduction rate: 8.4%
Of your next £100 of pay you keep £72.00
Things to know
Warning: Below the National Living Wage
At 37.5 hours a week this works out at £9.23 an hour, below the National Living Wage for workers aged 21 and over (£12.71 an hour).
Employer cost
- Employer National Insurance
- £1,950 a year
- Total cost to your employer
- £19,950 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 £18,000 after tax
| Item | Year | Month | 4 weeks | Week | Day | Hour |
|---|---|---|---|---|---|---|
| Gross pay | £18,000 | £1,500.00 | £1,384.62 | £346.15 | £69.23 | £9.23 |
| Taxable pay | £18,000 | £1,500.00 | £1,384.62 | £346.15 | £69.23 | £9.23 |
| Income tax | −£1,086 | −£90.50 | −£83.54 | −£20.88 | −£4.18 | −£0.56 |
| National Insurance | −£434 | −£36.20 | −£33.42 | −£8.35 | −£1.67 | −£0.22 |
| Take-home pay | £16,480 | £1,373.30 | £1,267.66 | £316.92 | £63.38 | £8.45 |
Day figures assume 5 days a week; hour figures assume 37.5 hours a week.
£18,000 after tax in Scotland
| Item | England, Wales, NI | Scotland |
|---|---|---|
| Income tax a year | £1,086.00 | £1,046.33 |
| National Insurance a year | £434.40 | £434.40 |
| Take-home a month | £1,373.30 | £1,376.61 |
| Take-home a year | £16,480 | £16,519 |
Scottish taxpayers take home £40 more a year on £18,000.
Compared with last tax year
In 2025/26 a £18,000 salary gave £16,480 a year after tax (£1,373.30 a month). In 2026/27 it’s £16,480, exactly the same.
£18,000 after tax with a pension
| Contribution | Relief at source | Salary sacrifice | Extra with sacrifice (year) |
|---|---|---|---|
| 3% (£540 a year) | £1,337.30 | £1,340.90 | £43 |
| 5% (£900 a year) | £1,313.30 | £1,319.30 | £72 |
| 8% (£1,440 a year) | £1,277.30 | £1,286.90 | £115 |
| 10% (£1,800 a year) | £1,253.30 | £1,265.30 | £144 |
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.
£18,000 after tax with a student loan
| Plan | Repayment a year | Take-home a month |
|---|---|---|
| Plan 1 | £0.00 | £1,373.30 |
| Plan 2 | £0.00 | £1,373.30 |
| Plan 4 | £0.00 | £1,373.30 |
| Plan 5 | £0.00 | £1,373.30 |
| Postgraduate Loan | £0.00 | £1,373.30 |
If you earned more
If you earned £1,000 more you’d keep £720.00 of it after tax and National Insurance.
You’re £32,270 below the higher-rate threshold of £50,270.
How £18,000 compares
A £18,000 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 £18,000
Below the National Living Wage
At 37.5 hours a week this works out at £9.23 an hour, below the National Living Wage for workers aged 21 and over (£12.71 an hour).
Nearby salaries
- £16,000 after tax
- £17,000 after tax
- £17,500 after tax
- £18,500 after tax
- £19,000 after tax
- £20,000 after tax
Paid by the hour? £18,000 full-time (37.5 hours a week) is about £9.23 an hour. See £10 an hour after tax.
Frequently asked questions
How much is £18,000 a month after tax?
£18,000 a year is £1,373.30 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 £18,000 a week after tax?
You take home £316.92 a week (£16,480 a year divided by 52).
How much income tax do I pay on £18,000?
You pay £1,086.00 income tax a year (£90.50 a month) in 2026/27. Your Personal Allowance is £12,570.
How much National Insurance do I pay on £18,000?
You pay £434.40 National Insurance a year (£36.20 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 →