Take Home Pay on a £18,000 Salary

On a £18,000 salary in the 2026-27 tax year, your take-home pay is £1,373.3 per month, £316.92 per week, or £63.38 per day. You pay £1,086 in income tax and £434.4 in National Insurance, totalling £1,520.4 in deductions.

If you earn £18,000 per year, here's what you actually take home after income tax and National Insurance:

Period	Gross	Tax & NI	Take Home
Annual	£18,000	£1,520.4	£16,479.6
Monthly	£1,500	£126.7	£1,373.3
Weekly	£346.15	£29.23	£316.92
Daily	£69.23	£5.85	£63.38

Your effective tax rate is 8.5%, meaning you keep 91.5p of every pound earned.

What gets deducted from your £18,000 salary?

Your total annual deductions of £1,520.4 break down as:

• Income tax: £1,086 per year (£90.5/month)
• National Insurance: £434.4 per year (£36.2/month)

Your personal allowance is £12,570, so only £5,430 of your salary is subject to income tax.

What does £1,373.3 per month look like?

With a monthly take home of £1,373.3, if you follow the common guideline of spending no more than 35% on rent, your budget would be around £481/month on housing. After rent, you'd have approximately £892.3 for bills, savings, and spending.

How your take home compares

Salary	Monthly take home	Difference
£20,000	£1,493.3	+£120
£22,000	£1,613.3	+£240

Related calculations

• Full £18,000 salary breakdown — detailed tax bands, NI, and comparison
• £9 per hour annual salary — hourly rate equivalent