£18,000 After Tax: Take Home Pay 2026/27
What does £18,000 a year really mean each month? After income tax and National Insurance for 2026/27, you keep £1,373.30 per month. Here is the full breakdown.
Full breakdown
| Yearly | Monthly | Weekly | |
|---|---|---|---|
| Gross salary | £18,000 | £1,500.00 | £346.15 |
| Income tax | £1,086 | £90.50 | £20.88 |
| National Insurance | £434 | £36.20 | £8.35 |
| Take Home pay | £16,480 | £1,373.30 | £316.92 |
These figures assume the standard 1257L tax code with no adjustments. Your actual pay can differ with a different tax code, bonuses, overtime, or starting a job partway through the tax year. Figures are rounded to the nearest penny or pound as labelled.
How your £18,000 is taxed
The first £12,570 of your salary is tax free thanks to the personal allowance. You pay 20% income tax on the remaining £5,430, which comes to £1,086 for the year. You also pay 8% National Insurance on earnings above £12,570, adding £434. That is how £18,000 after tax becomes £16,480 in your pocket across the 2026/27 tax year.
With a 5% pension
If you put 5% of your salary (£75.00 a month) into your pension through salary sacrifice, your monthly take home pay becomes £1,319.30. You save income tax and National Insurance on every pound you contribute.
With a student loan
On £18,000 you are below the Plan 2 repayment threshold (£29,385), so no student loan is deducted.
In Scotland
Scottish income tax bands are different. On £18,000 you would take home £1,376.61 a month (£16,519 a year) living in Scotland.
Common questions
£18,000 a year is £1,500.00 a month before tax. After 2026/27 income tax and National Insurance you take home £1,373.30 a month.
£316.92 per week, which is £16,480 a year after tax.
You pay £1,086 income tax and £434 National Insurance a year, £1,520 in total deductions.
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£16,000 after tax
£20,000 after tax
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