£18,000 After Tax
Take-home pay breakdown for a £18,000 UK salary, 2026/27 rates.
Annual deductions from £18,000:
- Income tax: £1,086
- National Insurance: £434
2026/27 rates for England, Wales, and Northern Ireland: Personal Allowance £12,570 (tapered above £100,000, gone at £125,140), 20% basic rate to £50,270, 40% higher rate to £125,140, 45% above. Employee National Insurance is 8% between £12,570 and £50,270, 2% above. Scotland uses different income tax bands and isn't modeled here. Not tax advice — confirm with HMRC or a tax adviser.
£18,000 breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross salary | £18,000 | £1,500 |
| Income tax | -£1,086 | -£91 |
| National Insurance | -£434 | -£36 |
| Take-home pay | £16,480 | £1,373 |
Frequently asked questions
How much is £18,000 after tax?
£16,480 a year, or £1,373 a month, after £1,086 income tax and £434 National Insurance (2026/27 rates, no student loan or pension deducted).
What is £18,000 a year per month?
Before tax it's £1,500 a month. After tax and NI, it's £1,373 a month — an effective deduction rate of 8.4%.
How much tax do I pay on £18,000?
£1,086 in income tax for the year, taxed at 20% on income above the £12,570 Personal Allowance.
What if I have a Plan 2 student loan?
Take-home drops to £1,373 a month — £0 a year repaid at 9% of income above the £29,385 threshold.
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