£18,000 after tax in the UK (2026/27)

On a salary of £18,000 in England, Wales or Northern Ireland, your take-home pay in 2026/27 is £16,480 per year, or £1,373 per month, after £1,086 Income Tax and £434 National Insurance.

£18,000 by pay period

PeriodGrossTake-home
Yearly£18,000£16,480
Monthly£1,500£1,373
Weekly£346£317
Daily (260 working days)£69£63
Hourly (37.5-hour week)£9.23£8.45

Where the deductions go

DeductionAnnualMonthly
Income Tax£1,086£91
National Insurance£434£36
Take-home pay£16,480£1,373

Effective deduction rate: 8.5% · Marginal rate on your next pound: 28.0%.

Common variations at £18,000

ScenarioTake-home / yearvs standard
Living in Scotland£16,519£40
With a Plan 2 student loan£16,480£0
With 5% salary-sacrifice pension£15,832-£648

Adjust every option, pension, student loan plans, Scottish rates, in the interactive UK salary calculator.

Scottish taxpayer? See £18,000 after tax in Scotland.

Nearby salaries

£15,500£16,000£16,500£17,000£17,500£18,500£19,000£19,500£20,000£20,500

Frequently asked questions

Is £18,000 a good salary in the UK?

Median gross annual earnings for full-time employees in the UK were around £37,000 in 2025, so £18,000 is below the full-time median. How far it goes depends heavily on region and housing costs.

How much tax do I pay on £18,000?

£1,086 in Income Tax and £434 in employee National Insurance in 2026/27, assuming tax code 1257L, NI category A and no other deductions.

What assumptions does this page make?

Tax year 2026/27, England/Wales/NI rates (Scotland shown above), tax code 1257L, no pension, no student loan, no benefits in kind. See how we calculate UK figures.

Rates verified against HMRC's published 2026/27 rates and thresholds. Last updated 2026-11-04.