£18,000 After Tax UK: £16,480 Take-Home Pay 2026/27
An £18k salary leaves you £16,479.60 a year after tax and National Insurance: £1,373.30 a month, £316.92 a week or £8.45 an hour.
Change the tax code, pension or student loan to match your payslip, or start from any salary in the take-home pay calculator.
Take-home pay
£16,479.60a year
£1,373.30a month
Enter your salary to see your take-home pay.
- Effective rate
- 8.4%
- Marginal rate
- 28%
Based on HMRC rates for the 2026/27 tax year.
£18,000 salary breakdown
| Item | Year | Month | Week | Day | Hour |
|---|---|---|---|---|---|
| Gross pay | £18,000.00 | £1,500.00 | £346.15 | £69.23 | £9.23 |
| Income tax | £1,086.00 | £90.50 | £20.88 | £4.18 | £0.56 |
| National Insurance | £434.40 | £36.20 | £8.35 | £1.67 | £0.22 |
| Student loan | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Postgraduate loan | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Pension | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Take-home pay | £16,479.60 | £1,373.30 | £316.92 | £63.38 | £8.45 |
Income tax by band
| Band | Rate | Income | Tax |
|---|---|---|---|
| Personal Allowance | 0% | £12,570.00 | £0.00 |
| Basic rate | 20% | £5,430.00 | £1,086.00 |
| Income tax a year | £1,086.00 | ||
Cost to your employer
- Employer National Insurance
- £1,950.00
- Total cost to employer
- £19,950.00
Yearly figures
Tax and National Insurance on £18,000
Under the 2026/27 income tax bands, the first £12,570 is tax-free and the remaining £5,430 is taxed at 20%, so you pay £1,086.00 income tax a year.
National Insurance comes to £434.40 a year: 8% of the £5,430 you earn above £12,570.
Your hourly pay on a 37.5-hour week is £9.23 before tax and £8.45 after it.
£18,000 after tax in Scotland
Take-home pay in Scotland on £18,000 is £16,519.27 a year, or £1,376.61 a month. The Scottish tax bands take £1,046.33 in income tax, £39.67 less than in England, Wales and Northern Ireland, and National Insurance stays at £434.40.
| Where you live | Income tax | National Insurance | Take-home a year | Take-home a month |
|---|---|---|---|---|
| England, Wales and Northern Ireland | £1,086.00 | £434.40 | £16,479.60 | £1,373.30 |
| Scotland | £1,046.33 | £434.40 | £16,519.27 | £1,376.61 |
Take-home pay on salaries near £18,000
| Salary | Take-home a year | Take-home a month |
|---|---|---|
| £20,000 after tax | £17,919.60 | £1,493.30 |
| £21,000 after tax | £18,639.60 | £1,553.30 |
| £22,000 after tax | £19,359.60 | £1,613.30 |
| £23,000 after tax | £20,079.60 | £1,673.30 |
Questions about £18,000 after tax
How much is £18,000 a year after tax per month?
£18,000 a year is £1,373.30 a month after tax and National Insurance, on the 1257L tax code with no pension or student loan.
How much tax and National Insurance do I pay on £18,000?
On £18,000 you pay £1,086.00 income tax and £434.40 National Insurance a year, £1,520.40 in total. Each month that is £90.50 income tax and £36.20 National Insurance.
What is £18,000 a year per hour?
£18,000 a year is £9.23 an hour before tax on a 37.5-hour week, and £8.45 an hour after tax.
How much is £18,000 a year per week after tax?
£18,000 a year is £316.92 a week after tax, from £346.15 a week before tax.