£18,000 after tax in the UK
On a salary of £18,000 a year, you take home £16,009 a year after income tax, National Insurance and a 5% workplace pension: £1,334.10 a month, or £307.87 a week.
✓Your take-home pay on £18,000
Weekly£307.87from £346.15
Monthly£1,334.10from £1,500.00
Yearly£16,009.20from £18,000.00
89%is yours to keep
An hour£8.21£9.23 before tax
A day£61.57£69.23 before tax
- Take-home pay£1,334.10
- Income tax£80.70
- National Insurance£36.20
- Pension (5%)£49.00
Every line, every way
| 2026/27 | Weekly | Monthly | Yearly |
|---|---|---|---|
| Take-home pay | £307.87 | £1,334.10 | £16,009.20 |
| Gross pay | £346.15 | £1,500.00 | £18,000.00 |
| Income tax | £18.62 | £80.70 | £968.40 |
| National Insurance | £8.35 | £36.20 | £434.40 |
| Pension (5%) | £11.31 | £49.00 | £588.00 |
In Scotland£16,049
With a Plan 2 loan£16,009
Tax and NI rate7.8%
Marginal rate28%
Your tax bands
0%
20%£12,570
40%£50,270
45%£125,140
England, Wales or Northern Ireland, tax code 1257L, a 5% auto-enrolment pension on qualifying earnings. In Scotland you’d take home £40 more a year.
Common questions
How much is £18,000 a year after tax?
£16,009 a year in 2026/27 (£1,334.10 a month) after £968 of income tax, £434 of National Insurance and a 5% pension. In Scotland it’s £16,049.
How much is £18,000 with a student loan?
The same: £18,000 is under the Plan 2 repayment threshold of £29,385.
What is £18,000 an hour?
About £9.23 an hour before tax, for a 37.5-hour week.