£18,000 salary after tax in the UK
On £18,000 a year you take home £16,479.60, or £1,373.30 a month, after income tax and National Insurance (6 April 2026 to 5 April 2027).
Take-home pay (England, Wales, NI)
£16,480
per year, you keep 91.6%
Where your £18,000 goes
- Take-home£16,48091.6%
- Income tax£1,0866.0%
- National Insurance£4342.4%
Breakdown for £18,000
| Item | Yearly | Monthly | Weekly |
|---|---|---|---|
| Gross salary | £18,000.00 | £1,500.00 | £346.15 |
| Income tax | -£1,086.00 | -£90.50 | -£20.88 |
| National Insurance | -£434.40 | -£36.20 | -£8.35 |
| Take-home pay | £16,479.60 | £1,373.30 | £316.92 |
Tax bands applied
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| Basic rate | 20% | £5,430.00 | £1,086.00 |
Personal allowance: £12,570. Your next £1,000 of salary adds £720 to take-home pay.
How your situation changes it
| Scenario | Yearly | Monthly |
|---|---|---|
| England, Wales, NI | £16,479.60 | £1,373.30 |
| Scotland | £16,519.27 | £1,376.61 |
| Plan 2 student loan | £16,479.60 | £1,373.30 |
| 5% salary-sacrifice pension | £15,831.60 | £1,319.30 |
| 2025/26 rates | £16,479.60 | £1,373.30 |
The pension row shows pay after your £900 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
£16,480 a year from £18,000 gross, you keep 91.6%
Questions about £18,000
How much is £18,000 a year after tax? +
£16,479.60 a year in England, Wales and Northern Ireland, which is £1,373.30 a month or £316.92 a week (2026/27).
How much tax do I pay on £18,000? +
Income tax is £1,086.00 and National Insurance is £434.40. Your effective tax rate is 8.4% and your marginal rate is 28%.
What is £18,000 after tax in Scotland? +
£16,519.27 a year (£1,376.61 a month), because Scottish income tax bands differ. That is £40 more than in England.
What if I have a Plan 2 student loan? +
Take-home falls to £16,479.60 a year after £0.00 of repayments.
What is £18,000 per hour? +
Over a 37.5-hour week, £18,000 is £9.23 gross per hour, or £8.45 after tax.
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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.