£18,000 after tax
£18,000 a year is £16,480 after tax and National Insurance in the 2026/27 tax year — about £1,373 a month.
You pay £1,086 in Income Tax and £434 in National Insurance, an effective rate of 8.4%. The calculator is set to £18,000 — change anything in it to see your own position.
What the next pound of a £18,000 salary costs you
At £18,000 you are a basic-rate taxpayer. Every extra pound you earn is taxed at 20% and charged 8% National Insurance, so you keep about 72p of it. A £1,000 pay rise is worth roughly £720 in your pocket.
How the Income Tax is worked out
- The first £12,570 is your Personal Allowance and is not taxed.
- £5,430 taxed at the basic rate of 20% = £1,086
- National Insurance at 8% adds £434
Take-home on £18,000
£16,480a year
£1,373 a month£317 a week
You keep 91.6%£1,520 in tax and NI
Your gross annual salary before any deductions.
Add pension and student loanHide pension and student loan
| Gross salary | £18,000 |
|---|---|
| Income Tax | −£1,086 |
| National Insurance | −£434 |
| Student loan | −£0 |
| Pension | −£0 |
| Take-home pay | £16,480 |
- A month
- £1,373
- A week
- £317
- A day
- £63
- An hour
- £8.45
Figures for the 2026/27 tax year, on the standard £12,570 Personal Allowance and tax code 1257L. They assume no other income, benefits in kind or salary sacrifice. If your tax code is different, your figures will be too.
Where £18,000 goes
| Deduction | A year | A month | A week |
|---|---|---|---|
| Gross salary | £18,000 | £1,500 | £346 |
| Income Tax | −£1,086 | −£91 | −£21 |
| National Insurance | −£434 | −£36 | −£8 |
| Take-home pay | £16,480 | £1,373 | £317 |
What £18,000 means in practice
A £1,000 pay rise
£720
Your marginal rate is 28%, so you keep 72% of anything extra you earn.
To the next threshold
£32,270
Another £32,270 would take you past the higher-rate threshold, at £50,270, where the rate on further earnings changes.
Mortgage guide
£72,000–£81,000
Most lenders work from four to four and a half times gross salary. A real offer depends on your deposit, credit file and outgoings, so treat this as the range to start from.
A 5% pension
£720
Paying £900 into a pension only reduces your take-home by £720, because £180 of it comes out of tax you would otherwise have paid.
Your effective rate on £18,000 is 8.4%, which is what you actually pay across the whole salary. Your marginal rate of 28% is what the next pound costs. People usually quote the second and budget with the first.
£18,000 after tax in Scotland
Scotland sets its own income tax bands. On £18,000 a Scottish taxpayer pays £1,046 in Income Tax against £1,086 in England, Wales and Northern Ireland — giving £16,519 take-home, a difference of £40 a year. National Insurance is the same across the UK.
Common questions about £18,000 after tax
- How much is £18,000 after tax?
- £18,000 a year is £16,480 after tax and National Insurance in the 2026/27 tax year, which is about £1,373 a month or £317 a week. That is £1,086 of Income Tax and £434 of National Insurance.
- How much is £18,000 a year per month after tax?
- £1,373 a month, based on a £18,000 salary in 2026/27 with the standard £12,570 Personal Allowance and tax code 1257L.
- What is the hourly rate for £18,000 after tax?
- On a 37.5 hour week, £18,000 after tax works out at about £8.45 an hour take-home. Before tax it is £9.23 an hour.
- How much tax do I pay on £18,000?
- £1,520 in total — £1,086 Income Tax and £434 National Insurance. That is an effective rate of 8.4% of your gross salary.
- Is £18,000 after tax different in Scotland?
- Yes. A Scottish taxpayer on £18,000 pays £1,046 Income Tax against £1,086 in the rest of the UK, leaving £16,519 take-home — a difference of £40 a year.
Paying more tax than you expected?
These figures assume a straightforward employment with tax code 1257L. If you have several income sources, a company, rental income or a tax code you do not recognise, the number is usually different — and often lower than it needs to be. TaxBite's chartered accountants look at the whole picture.
Get a no-obligation quote