£18,000 after tax and NI: what’s your take-home pay?
In 2025/26, £18,000 leaves £16,479.60 a year — £1,373 a month — in England, Wales or Northern Ireland on the standard tax code. Adjust anything below to match your situation.
Parsed as: 1257L (£12,570 allowance, England & NI)
The £18,000 breakdown, explained
On a £18,000 salary in 2025/26 you take home £16,479.60 a year in England, Wales or Northern Ireland — that's £1,373 a month, after £1,086.00 of income tax and £434.40 of National Insurance on the standard 1257L code. Everything above your £12,570 personal allowance is taxed at the 20% basic rate, and you're a comfortable £32,270 clear of the £50,270 higher-rate threshold. In Scotland, £18,000 attracts £28.27 less income tax (£1,057.73 in total), thanks to the 19% starter rate on the first slice above the allowance. All in, 8.4% of a £18,000 salary goes in deductions before it reaches your bank.
£18,000 across the UK
| Where you live | Income tax | National Insurance | Take-home |
|---|---|---|---|
| England & NI | £1,086.00 | £434.40 | £16,479.60 |
| Scotland | £1,057.73 | £434.40 | £16,507.87 |
| Wales | £1,086.00 | £434.40 | £16,479.60 |
Scottish taxpayers save £28.27 income tax on £18,000 than those in England, Wales or Northern Ireland. National Insurance is the same UK-wide.
Nearby salaries
£15,000 after tax
Take-home £14,319.60 a year (£1,193/month) in 2025/26.
See breakdown£16,000 after tax
Take-home £15,039.60 a year (£1,253/month) in 2025/26.
See breakdown£17,000 after tax
Take-home £15,759.60 a year (£1,313/month) in 2025/26.
See breakdown£19,000 after tax
Take-home £17,199.60 a year (£1,433/month) in 2025/26.
See breakdown£20,000 after tax
Take-home £17,919.60 a year (£1,493/month) in 2025/26.
See breakdown£21,000 after tax
Take-home £18,639.60 a year (£1,553/month) in 2025/26.
See breakdownOr browse every salary breakdown.
£18,000 questions, answered
Sources: income tax rates · National Insurance rates · Scottish income tax