> On £18,000 a year in England you take home £16,482.08 in 2026/27: £1,373.51 a month, after £1,084.00 income tax and £433.92 National Insurance.

Web version: https://checktakehomepay.co.uk/salary/18000 · Last updated: 2026-10-09

[Salaries after tax](https://checktakehomepay.co.uk/salary) / England, Wales and Northern Ireland

# £18,000 after tax

Short answer

On £18,000 a year you take home £16,482.08 in 2026/27: £1,373.51 a month or £316.96 a week, after £1,084.00 income tax and £433.92 National Insurance.

England, Wales and Northern Ireland share these figures in 2026/27. [£18,000 in Scotland](https://checktakehomepay.co.uk/salary/18000/scotland)

| 2026/27 | Year | Month | Week | Day | Hour |
| --- | --- | --- | --- | --- | --- |
| Gross pay | £18,000.00 | £1,500.00 | £346.15 | £69.23 | £9.23 |
| Income tax | £1,084.00 | £90.33 | £20.85 | £4.17 | £0.56 |
| National Insurance | £433.92 | £36.16 | £8.34 | £1.67 | £0.22 |
| Take-home pay | £16,482.08 | £1,373.51 | £316.96 | £63.39 | £8.45 |

Tax code 1257L, paid monthly, worked out the way payroll does. Days are a fifth of a week, hours are 37.5 a week. Income tax and NI take 8.4% of the pay, and 28% of the next £1,000.

## With a pension or student loan

| With | Take-home |
| --- | --- |
| With a 5% pension (net pay) | £1,313.51 a month |
| With a Plan 2 student loan | £1,373.51 a month |
| With a 5% pension and a Plan 2 loan | £1,313.51 a month |

## Income tax by band

| Taxable pay | Tax |
| --- | --- |
| £5,420 at 20% | £1,084.00 |

## Questions

### How much is £18,000 after tax?

£16,482.08 a year, £1,373.51 a month or £316.96 a week in 2026/27, on tax code 1257L with no pension or student loan.

## These figures, from an API

Take-home pay for any salary, pension and student loan, in your software.

[Get an API key](https://checktakehomepay.co.uk/login)[Read the quickstart](https://checktakehomepay.co.uk/docs/quickstart)