£18,000 Salary — Take Home Pay 2026/27
On a £18,000 salary in 2026/27, your take-home pay is £16,009.20 a year — £1,334.10 a month, £307.87 a week, £61.57 a day — after income tax, National Insurance and pension. Figures use tax code 1257L, the usual auto-enrolment pension (5% of qualifying earnings) and no student loan.
- Rates: GOV.UK — checked 5 Nov 2026
- Tested against HMRC worked examples
- Your salary never leaves your browser
Most people are on 1257L. BR, D0, D1, 0T, NT and K codes work too.
Advanced options
Reduces your taxable gross first — tax, NI and student loan are worked out on the reduced figure.
Taxed at your marginal band, but not paid in cash, so it is not deducted from your take-home pay.
Shows the extra take-home your bonus adds over the year (annualised — see the bonus note below).
Your take-home pay
— / year
- Per month
- —
- Per week
- —
- Per working day
- —
| Gross pay | — |
|---|---|
| Pension | — |
| Personal allowance | — |
| Taxable pay | — |
| Income tax | — |
| National Insurance | — |
| Student loan | — |
| Take-home pay | — |
Monthly payslip — April to March
| Month | Gross | Tax | NI | Net | Pension | Student loan |
|---|
We could not load the 2026/27 rates. Please check your connection and refresh the page.
Rates checked 5 November 2026.
Every figure checked against HMRC's own examples.
Your salary never leaves your browser.
Rates re-checked by hand after every Budget.
| Line | Per year | Per month |
|---|---|---|
| Gross pay | £18,000.00 | £1,500.00 |
| Pension (auto-enrolment, 5% of qualifying earnings) | −£588.00 | −£49.00 |
| Personal allowance | £12,570.00 | £1,047.50 |
| Taxable pay | £4,842.00 | £403.50 |
| Income tax | −£968.40 | −£80.70 |
| National Insurance | −£434.40 | −£36.20 |
| Take-home pay | £16,009.20 | £1,334.10 |
Your marginal rate on this salary is 32% — that is the tax, National Insurance and pension taken from your next £1 of pay. Your effective income-tax rate is 5.4%.
Annual figures are computed from annual inputs; monthly figures are the annual figure divided by 12, so they can differ by a penny from a per-period calculation — see how we calculate.
Adjust this figure — student loan, pension, Scotland
The calculator above is pre-filled at £18,000. Change the pension, add a student loan, or tick the Scotland box to see your own take-home pay.
Questions
How much is £18,000 take-home pay a month?
On a £18,000 salary in 2026/27, your take-home pay is £1,334.10 a month (£16,009.20 a year) with the usual auto-enrolment pension and no student loan. That is after £968.40 income tax, £434.40 National Insurance and £588.00 pension a year.
What is the take-home pay on £18,000 a week?
Your take-home pay is £307.87 a week — £61.57 per working day. Use the calculator below to change the pension or add a student loan and see the figure update.
Nearby salaries
−£1,000: £17,000+£1,000: £19,000+£5,000: £23,000
Open the full calculator at £18,000 · Income tax calculator · 2026/27 rates