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TAKE-HOME PAY · 2026/27

£18,000 after tax

On a £18,000 salary you take home £16,479.60 a year, which is £1,373.30 a month or £316.92 a week, in England, Wales or Northern Ireland. In Scotland it's £16,519.27 a year, £39.67 more. That's before any pension or student loan, which are below.

England, Wales or Northern Ireland

Of a £100 pay rise, you'd keep £72.

£18,000 after tax in England, Wales or Northern Ireland
ItemYearMonthWeek
Pay£18,000£1,500£346.15
Income tax−£1,086−£90.50−£20.88
National Insurance−£434.40−£36.20−£8.35
Take-home£16,479.60£1,373.30£316.92
  1. Pay: £18,000 a year
  2. The Personal Allowance gives £12,570 tax-free
  3. Taxable pay: £18,000 − £12,570 = £5,430
  4. Basic rate: 20% of £5,430 = £1,086
  5. National Insurance: 8% of £5,430, your pay between £12,570 and £50,270 = £434.40
  6. Take-home: £18,000 − £1,086 tax − £434.40 National Insurance = £16,479.60

Scotland

Of a £100 pay rise, you'd keep £72.

£18,000 after tax in Scotland
ItemYearMonthWeek
Pay£18,000£1,500£346.15
Income tax−£1,046.33−£87.19−£20.12
National Insurance−£434.40−£36.20−£8.35
Take-home£16,519.27£1,376.61£317.68
  1. Pay: £18,000 a year
  2. The Personal Allowance gives £12,570 tax-free
  3. Taxable pay: £18,000 − £12,570 = £5,430
  4. Starter rate: 19% of £3,967 = £753.73
  5. Basic rate: 20% of £1,463 = £292.60
  6. Income tax: £1,046.33 in all
  7. National Insurance: 8% of £5,430, your pay between £12,570 and £50,270 = £434.40
  8. Take-home: £18,000 − £1,046.33 tax − £434.40 National Insurance = £16,519.27

With a student loan

England, Wales or Northern Ireland tax; each plan on its own.

PlanRepaid a monthTake-home a month
Plan 1England or Wales before September 2012, and Northern Ireland£0£1,373.30
Plan 2England from September 2012 to July 2023, and Wales from September 2012£0£1,373.30
Plan 4Scotland£0£1,373.30
Plan 5England from August 2023£0£1,373.30
Postgraduate Loanmaster's or doctoral loans in England or Wales£0£1,373.30

Will it be paid off or written off?

With a workplace pension

5% of the pay between £6,240 and £50,270, the auto-enrolment minimum, by how it's taken.

Taken byInto your pension a monthTake-home a month
Net pay£49£1,334.10
Relief at source£49£1,334.10
Salary sacrifice£49£1,338.02

Change any of this in the calculator

Nearby salaries

Questions

How much a month is £18,000 after tax?

£1,373.30 in England, Wales or Northern Ireland, and £1,376.61 in Scotland, in 2026/27, with no pension or student loan.

How much a week is £18,000 after tax?

£316.92 in England, Wales or Northern Ireland, and £317.68 in Scotland.

What's £18,000 a year as an hourly rate?

£9.23 an hour before tax, on 37.5 hours a week for 52 weeks.

How much tax do I pay on £18,000?

£1,086 income tax and £434.40 National Insurance in England, Wales or Northern Ireland; £1,046.33 income tax in Scotland, where National Insurance is the same.

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