Standard estimate · England, Wales and Northern Ireland
After Income Tax and National Insurance: £16,479.60 a year.
Standard annual allowance after any taper; no pension or student loan.
Adjust this estimateRates checked · Sources and assumptions
Estimate updated. Take-home pay is approximately £1,373 per month.
2026/27 · England, Wales and Northern Ireland. The standard example elsewhere on this page stays unchanged.
Edit salary & adjustments ↑of gross pay
including pension & loans
after all deductions
On a £18,000 gross salary, estimated take-home pay is £16,480 a year — about £1,373 a month. Income Tax is £1,086 and National Insurance is £434, an effective combined rate of 8.4%.
The estimated marginal deduction rate is 28%. You keep about £72 of your next £100 earned.
Swipe horizontally to see every period.
| Category | Annual | Monthly | Weekly | Daily |
|---|---|---|---|---|
| Gross salary | £18,000.00 | £1,500.00 | £346.15 | £69.23 |
| Income Tax | £1,086.00 | £90.50 | £20.88 | £4.18 |
| National Insurance | £434.40 | £36.20 | £8.35 | £1.67 |
| Take-home pay | £16,479.60 | £1,373.30 | £316.92 | £63.38 |
Standard comparison
These reference figures use the original salary and assumptions, independently of your changes above.
This salary is £21,039.00 below the latest ONS full-time median of £39,039.00. Its top £1 falls in the 20% basic-rate band.
Benchmark: ONS April 2025 provisional full-time annual earnings.
Direct answer
On the standard 2026/27 assumptions used here, £18,000 after tax is approximately £1,373 per month, £317 per week or £16,480 per year. That estimate includes £1,086 of Income Tax and £434 of employee National Insurance across the year.
Your actual payslip can differ because of your tax code, Scottish Income Tax, pension method, student loan, benefits or irregular pay. Use the calculator above to replace the standard assumptions with your details.
What changes next?
These comparisons use the same standard assumptions as the answer above and isolate one change at a time.
You keep about 72.0% of the next £1,000 under these assumptions, or roughly £60 a month.
Estimated annual take-home falls by £648, before any employer contribution or employer NI sharing.
Above this point, Income Tax normally rises to 40% while the main employee NI rate falls to its upper rate.
Pension tax outcomes depend on scheme method and adjusted net income, and salary sacrifice cannot reduce cash earnings below the applicable National Minimum Wage. Compare your own arrangement in the salary sacrifice calculator.
At £18,000, this standard estimate uses a Personal Allowance of £12,570.00. The full standard allowance is available; income below it is not subject to Income Tax. Taxable income is £5,430.00.
National Insurance is calculated by pay period in payroll. On a steady annual salary of £18,000, this annualised estimate gives £434.40 in employee National Insurance; irregular pay and payroll rounding can change the amount on a payslip.
With the same salary, no pension and no student loan, Scottish take-home is approximately £1,376.61 a month — £3.31 more a month. National Insurance is unchanged. Select Scotland above to personalise the comparison.
Explore nearby salaries and a few useful reference points.
Browse the full salary directory or compare effective and marginal rates in the data study.
Learn
Learn how to keep more of your take-home pay.
Standard example: 2026/27, England, Wales and Northern Ireland; no pension or student loan. Rates checked . Sources: Income Tax and allowances, HMRC rates and thresholds. Editorial and corrections policy.
This is an annual estimate for illustrative purposes, not financial or tax advice. PAYE, National Insurance, student-loan deductions, payroll rounding, benefits in kind and irregular pay can make an actual payslip differ.