£12,000 salary after tax in the UK
On £12,000 a year you take home £12,000.00, or £1,000.00 a month, after income tax and National Insurance (6 April 2026 to 5 April 2027).
Take-home pay (England, Wales, NI)
£12,000
per year, you keep 100.0%
Where your £12,000 goes
- Take-home£12,000100.0%
- Income tax£00.0%
- National Insurance£00.0%
Breakdown for £12,000
| Item | Yearly | Monthly | Weekly |
|---|---|---|---|
| Gross salary | £12,000.00 | £1,000.00 | £230.77 |
| Income tax | -£0.00 | -£0.00 | -£0.00 |
| National Insurance | -£0.00 | -£0.00 | -£0.00 |
| Take-home pay | £12,000.00 | £1,000.00 | £230.77 |
Tax bands applied
| Band | Rate | Taxable | Tax |
|---|
Personal allowance: £12,570. Your next £1,000 of salary adds £880 to take-home pay.
How your situation changes it
| Scenario | Yearly | Monthly |
|---|---|---|
| England, Wales, NI | £12,000.00 | £1,000.00 |
| Scotland | £12,000.00 | £1,000.00 |
| Plan 2 student loan | £12,000.00 | £1,000.00 |
| 5% salary-sacrifice pension | £11,400.00 | £950.00 |
| 2025/26 rates | £12,000.00 | £1,000.00 |
The pension row shows pay after your £600 contribution; that money goes into your pot.
Make it your own
Add your tax code, pension, student loan, bonus or overtime and see everything update live.
Your take-home pay · per month
£12,000 a year from £12,000 gross, you keep 100.0%
Questions about £12,000
How much is £12,000 a year after tax? +
£12,000.00 a year in England, Wales and Northern Ireland, which is £1,000.00 a month or £230.77 a week (2026/27).
How much tax do I pay on £12,000? +
Income tax is £0.00 and National Insurance is £0.00. Your effective tax rate is 0.0% and your marginal rate is 0%.
What is £12,000 after tax in Scotland? +
£12,000.00 a year (£1,000.00 a month), because Scottish income tax bands differ. That is £0 more than in England.
What if I have a Plan 2 student loan? +
Take-home falls to £12,000.00 a year after £0.00 of repayments.
What is £12,000 per hour? +
Over a 37.5-hour week, £12,000 is £6.15 gross per hour, or £6.15 after tax.
Nearby salaries
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Calculated for 2026/27 (6 April 2026 to 5 April 2027) assuming a standard tax code, National Insurance category A and no other income. Not tax advice.
Rates last checked against official sources: gov.uk. Full methodology