What salary gives you £18,000 take-home a year?
To take home about £18,000 a year in England after income tax and National Insurance (no student loan, no pension, 2026-27), you need a gross salary of £20,112.
Required gross salary
£20,112
a year
bottom 10%
Required gross (monthly)
£1,676
≈ annual ÷ 12
Take-home delivered
£18,001
a year, after tax and NI
You keep
89.5%
of the gross figure
| Gross salary needed | £20,112 |
| Income tax | −£1,508 |
| National Insurance | −£603 |
| Take-home pay | £18,001 |
Effective income tax rate 7.5%. A gross salary of £20,112 sits near the bottom 10% of UK full-time earners (ONS ASHE 2025).