Annual take-home
£15,832Salary calculator
£18,000 After Tax in 2026/27
If you earn £18,000 a year you take home around £1,319 a month after income tax, National Insurance, a 5% pension and Plan 2 student loan.
Monthly take-home
£1,319Tax paid
£9065.03% of gross
NI paid
£3622.01% of gross
Student loan
£0Plan 2 default
Pension deduction
£9005% of gross
Personal allowance
£12,570Taxable income
£4,530Take-home share
88%Calculate your take-home pay
Adjust your details below — results update instantly for 2026/27.
Region
Pension contribution5%
Advanced options
Leading digits × 10 set your personal allowance.
Reduces your taxable income.
Reduces your taxable income.
Monthly take-home
£1,319after tax, NI, pension & loans
Annual take-home
£15,832including bonus
Hourly
£8.12Daily
£61Weekly
£304Monthly
£1,319Yearly
£15,832Income Tax
£906National Insurance
£362Pension
£900Where your money goes
Take-home · £15,832 · 88%Income Tax · £906 · 5%National Insurance · £362 · 2%Pension · £900 · 5%
| Band | Yearly | Monthly | Weekly | % of Gross |
|---|---|---|---|---|
| Income Tax | £906 | £76 | £17 | 5.03% |
| National Insurance | £362 | £30 | £7 | 2.01% |
| Pension | £900 | £75 | £17 | 5% |
| Take-home pay | £15,832 | £1,319 | £304 | 87.95% |