2026/27 take-home pay
£18,001 after tax
On a £18,001 salary you take home £16,483 a year in 2026/27, which is £1,373.55 a month. You pay £1,086 income tax and £434 National Insurance, 8.4% of your pay.
Take-home pay by period
| Period | Gross | Tax | NI | Take-home |
|---|---|---|---|---|
| Year | £18,001 | £1,086 | £434 | £16,483 |
| Month | £1,500.08 | £90.52 | £36.17 | £1,373.55 |
| 4 weeks | £1,384.69 | £83.55 | £33.39 | £1,267.89 |
| Week | £346.17 | £20.89 | £8.35 | £316.97 |
| Day | £69.23 | £4.18 | £1.67 | £63.39 |
| Hour (37.5h week) | £9.23 | £0.56 | £0.22 | £8.45 |
Your marginal rate
28%
Of your next £100 of salary you keep about £72.
£18,001 after tax in different situations
| Situation | Income tax | NI | Loan | Take-home a month |
|---|---|---|---|---|
| England, Wales or NI | £1,086 | £434 | £0 | £1,373.55 |
| Scotland | £1,047 | £434 | £0 | £1,376.85 |
| With 5% pension (salary sacrifice) | £906 | £362 | £0 | £1,319.54 |
| With Plan 2 student loan | £1,086 | £434 | £0 | £1,373.55 |
| Plan 2 loan and 5% pension | £906 | £362 | £0 | £1,319.54 |
How it is worked out
- Your first £12,570 is tax-free (the Personal Allowance).
- £5,431 is taxed at the basic rate of 20%: £1,086.
- National Insurance is 8% of £5,431 between £12,570 and £50,270. Payroll works it out each month, which gives £434.04 for the year.
- That leaves £16,482.56 a year, or £1,373.55 a month.
Common questions
How much is £18,001 a year after tax?
On a £18,001 salary in 2026/27 you take home £16,483 a year in England, Wales or Northern Ireland, after £1,086 income tax and £434 National Insurance. That assumes the standard 1257L tax code, no pension and no student loan.
What is £18,001 a month after tax?
£18,001 a year is £1,500.08 a month before tax and about £1,373.55 a month after tax and National Insurance in 2026/27.
How much tax do I pay on £18,001?
You pay £1,086 income tax and £434 employee National Insurance on £18,001 in 2026/27: 8.4% of your pay in total. Your tax-free Personal Allowance is £12,570.
Is £18,001 after tax different in Scotland?
Yes. In Scotland the same salary leaves £16,522 a year (£1,376.85 a month), £40 more than in the rest of the UK, because Scotland sets its own income tax bands. National Insurance is the same everywhere.
What is £18,001 a year as an hourly rate?
At 37.5 hours a week, £18,001 a year is £9.23 an hour before tax and £8.45 an hour after tax.
What is my marginal tax rate on £18,001?
On £18,001 the next £100 you earn costs 28% in income tax and National Insurance, so you keep about £72 of it.
Official sources
Every rate and threshold on this page is checked against these official pages. How we calculate
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