£18,000 after tax
A £18,000 salary is £16,480 a year after tax in 2026/27, which is £1,373 a month. Change any setting below to match your payslip.
- Take-home a month
- £1,373
- Tax and NI a month
- £127
- Share you keep
- 91.6%
- Hourly rate before tax
- £9.23
- HMRC 2026/27 rates
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On a salary of £18,000 you take home £16,479.60 a year, £1,373.30 a month and £316.92 a week. You pay £1,086.00 income tax and £434.40 National Insurance, so 91.6% of your pay is yours to keep.
Your payslip on £18,000
Payments
Basic salary£1,500.00
Deductions
Income tax£90.50
National Insurance£36.20
Total deductions£126.70
Net pay£1,373.30
Of an 8 hour working day, 41 minutes pays your income tax and National Insurance.
| Item | Year | Month | Week | Day |
|---|---|---|---|---|
| Gross pay | £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 |
How the tax on £18,000 is worked out
- The first £12,570 is tax free (your personal allowance).
- £5,430 is taxed at the basic rate of 20%, which is £1,086.00.
- National Insurance is 8% of pay between £12,570 and £18,000: £434.40.
£18,000 after tax with a student loan or pension
| Situation | A year | A month |
|---|---|---|
| No loan, no pension | £16,479.60 | £1,373.30 |
| Plan 2 student loan | £16,479.60 | £1,373.30 |
| Plan 5 student loan | £16,479.60 | £1,373.30 |
| 5% pension (salary sacrifice) | £15,831.60 | £1,319.30 |
| Living in Scotland | £16,519.27 | £1,376.61 |
£18,000 is less than a full-time job on the National Living Wage of £12.71 an hour (£24,785 a year at 37.5 hours a week), so it is typical of part-time work. Working 37.5 hours a week, it equals £9.23 an hour before tax.
Similar salaries after tax
- £15,000£1,193 a month95% kept
- £16,000£1,253 a month94% kept
- £17,000£1,313 a month93% kept
- £18,000£1,373 a month92% kept
- £19,000£1,433 a month91% kept
- £20,000£1,493 a month90% kept
- £21,000£1,553 a month89% kept
£18,000 from every angle
- In Scotland£1,377 a month
- £1,500 a monthMonthly view
- £350 a weekWeekly view
- Mortgage on £20,000About £90,000
- Self-employed£18,000 profit
Compare any two salaries with the pay rise calculator, or go back to the take-home pay calculator.
Questions people ask
How much is £18,000 a month after tax?
£1,373.30 a month in 2026/27, if you live in England, Wales or Northern Ireland, have the standard 1257L tax code and pay no student loan or pension. That is £316.92 a week.
What tax band is a £18,000 salary in?
Your top pound is taxed at the basic rate, and your marginal rate after tax and National Insurance is 28%. That means for every extra £100 you earn, you keep about £72.
What is £18,000 a year as an hourly rate?
Working 37.5 hours a week for 52 weeks, £18,000 works out at £9.23 an hour before tax, or £8.45 an hour after tax.
How much tax do I pay on £18,000 in Scotland?
£1,046.33 in income tax, £39.67 less than in the rest of the UK. Your take-home pay in Scotland is £16,519.27 a year.