£18,000 Salary After Tax

On a £18,000 salary in the 2026-27 tax year, your annual take-home pay is £16,479.6 (£1,373.3 per month, £316.92 per week). You will pay £1,086 in income tax and £434.4 in National Insurance contributions.

If you earn £18,000 a year, your monthly take-home pay is £1,373.3 after tax and National Insurance. That works out to £316.92 per week or £63.38 per day. This is 49% below the UK median salary of £34,963.

How your income tax is calculated

Your first £12,570 is tax-free (personal allowance). The remaining £5,430 is your taxable income, split across tax bands:

• Basic rate (20%): £5,430 taxed = £1,086

Total income tax: £1,086 per year (£90.5 per month).

National Insurance

You pay £434.4 per year in Class 1 National Insurance contributions (£36.2 per month). NI is charged at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.

How does this compare?

• Earning £23,000 would increase your monthly take-home by £300 to £1,673.3
• Earning £13,000 would decrease your monthly take-home by £300 to £1,073.3

What mortgage could you afford?

On a £18,000 salary, most UK lenders would offer you a mortgage of up to £81,000 (4.5x your annual income). For a full breakdown, check your mortgage affordability on £18,000.

Frequently asked questions

What is the take-home pay on £18,000?

After income tax and National Insurance, you take home £1,373.3 per month (£16,479.6 per year).

How much tax do I pay on £18,000?

You pay £1,086 in income tax and £434.4 in National Insurance, totalling £1,520.4 per year.