£18,000 After Tax UK — Take-Home Pay 2026/27
On a £18,000 salary in England, Wales or Northern Ireland, you take home about £16,480 a year — that's £1,373 a month, or £317 a week — once Income Tax and National Insurance are taken off. You keep about 91.6% of your gross pay.
Pay by period
| Period | Gross | Tax | NI | Take-home |
|---|---|---|---|---|
| Yearly | £18,000.00 | £1,086.00 | £434.40 | £16,479.60 |
| Monthly | £1,500.00 | £90.50 | £36.20 | £1,373.30 |
| Weekly | £346.15 | £20.88 | £8.35 | £316.92 |
| Daily | £69.23 | £4.18 | £1.67 | £63.38 |
Personal Allowance: £12,570. Assumes the standard tax code, one job, no pension contribution and no student loan.
England, Wales & NI vs Scotland
| England, Wales & NI | Scotland | |
|---|---|---|
| Income Tax | £1,086 | £1,046 |
| Take-home pay | £16,480 | £16,519 |
Frequently asked questions
On a £18,000 salary in England, Wales or Northern Ireland, you'd take home about £16,480 a year (£1,373 a month), after £1,086 of Income Tax and £434 of National Insurance.
In Scotland, a £18,000 salary works out at about £16,519 a year take-home, because Scottish Income Tax uses different bands from the rest of the UK.
Income Tax alone comes to about 6.0% of a £18,000 salary. Add National Insurance and the combined effective rate is about 8.4%.
No — this page assumes no pension contribution, no student loan and the standard tax code. Use the full Income Tax Calculator to add those and get a more personal figure.
Other salaries
These figures are estimates based on 2026/27 UK tax rates and are not financial advice. For pension, student loan or tax code adjustments, use the Income Tax Calculator.
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