£18,000 a Year After Tax in the UK
On a yearly salary of £18,000 you take home about £1,373 a month (£16,480 a year) after all deductions.
Tax year 2026/27GBPIncome tax and National Insurance
92%kept
Take-home pay · 2026/27£16,480per year
- Gross pay£18,000.00
- Income tax−£1,086.00
- National Insurance−£434.40
- Take-home£16,479.60
Effective rate8.4%
Marginal tax rate20%
Take-home vs 2025/26 £0
Pay breakdown
| Period | Gross | Deductions | Take-home |
|---|---|---|---|
| Year | £18,000.00 | £1,520.40 | £16,479.60 |
| Month | £1,500.00 | £126.70 | £1,373.30 |
| Week | £346.15 | £29.24 | £316.92 |
| Day | £69.23 | £5.85 | £63.38 |
| Hour | £9.23 | £0.78 | £8.45 |
How take-home pay is calculated in the UK
- The first £12,570 is tax-free (personal allowance). Above £100,000 the allowance shrinks by £1 for every £2 earned.
- Income tax is 20% on the next £37,700, 40% up to £125,140 and 45% above that.
- Employee National Insurance is 8% on earnings between £12,570 and £50,270, and 2% above.
Rates for England, Wales and Northern Ireland with a 1257L tax code. Scotland and student loans are not included. Figures are estimates, not tax advice.
Similar salaries in the UK
Frequently asked questions
How much is £18,000 a year after tax in the UK?
With default settings, a £18,000 annual salary in the UK leaves about £16,480 a year after £1,520 of deductions, an effective rate of 8.4% (2026/27).
What is £18,000 a year per month after tax?
About £1,373 a month, or £317 a week.
What hourly rate is £18,000 a year?
Based on a 37.5-hour week, it is about £9.23 an hour before tax and £8.45 after tax.
What is the UK personal allowance for 2026/27?
£12,570. It falls by £1 for every £2 of income over £100,000 and is zero from £125,140.
Does this work for Scotland?
Not yet. Scotland has its own income tax bands. National Insurance is the same across the UK.
