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.
| 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%.
Add a pension, student loan, bonus or overtime in the full calculator — it opens pre-filled with £18,000.
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.
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.