£18,000 after tax
On a £18,000 salary in the 2026/27 tax year you take home £16,480 a year — about £1,373 a month or £317 a week — after £1,086 of Income Tax and £434 of National Insurance. Figures are for an employee in England, Wales or Northern Ireland with no pension or student loan; use the full calculator to add those.
Where your £18,000 goes
| Gross salary | £18,000 |
| Income Tax | −£1,086 |
| National Insurance | −£434 |
| Take-home pay | £16,480 |
Income Tax is £5,430 at 20%. Your effective tax rate is 8.4%, and the marginal rate on your next £100 is about 28%.
Make it yours
Add a pension, student loan, bonus or overtime in the full calculator — it opens pre-filled with £18,000.
What £18,000 means for your tax
At £18,000 you are a basic-rate taxpayer with your full £12,570 Personal Allowance intact, so only the slice above it is taxed, at 20%, plus National Insurance. Every extra £100 you earn at this level is taxed fairly lightly, so a pay rise reaches your pocket close to its headline value.
Take-home pay for other salaries
These results are estimates for general information only and are not financial advice. Check every figure yourself and seek appropriate advice from a qualified professional before making any decision. Read the full disclaimer.