UK take-home pay · 2026/27 tax year
£30,000 after tax in 2026/27
On a £30,000 salary you take home £25,120 a year after Income Tax and National Insurance, which is £2,093 a month or £483 a week. You pay £3,486 in Income Tax and £1,394 in National Insurance, so you keep 83.7% of what you earn. The figures use 2026/27 rates for England, Wales and Northern Ireland; Scotland is covered further down.
Figures checked against GOV.UK on .
Take-home pay
£25,120
per year
Per month
£2,093
after tax and NI
Income Tax
£3,486
per year
National Insurance
£1,394
per year
£30k take-home pay by year, month, pay period and hour
| Period | Gross pay | Income Tax | National Insurance | Take-home |
|---|---|---|---|---|
| Year | £30,000 | £3,486 | £1,394.40 | £25,119.60 |
| Month | £2,500 | £290.50 | £116.20 | £2,093.30 |
| 4 weeks | £2,307.69 | £268.15 | £107.26 | £1,932.28 |
| 2 weeks | £1,153.85 | £134.08 | £53.63 | £966.14 |
| Week | £576.92 | £67.04 | £26.82 | £483.07 |
| Day | £115.38 | £13.41 | £5.36 | £96.61 |
| Hour | £15.38 | £1.79 | £0.72 | £12.88 |
How tax and National Insurance are worked out on £30,000
- The first £12,570 is your Personal Allowance, so it is tax-free.
- £17,430 is taxed at 20% (basic rate), which is £3,486.
- National Insurance is 8% of the £17,430 you earn between £12,570 and £50,270: £1,394.40.
- £30,000 minus £3,486 tax and £1,394.40 NI leaves £25,119.60 a year.
Which tax band you are in
All of your taxable pay falls in the 20% basic-rate band. Higher-rate tax only starts at £50,270, so a pay rise of up to £20,270 is still taxed at 20%.
What a pay rise is worth
Out of the next £1,000 you earn, you would keep £720 after tax and National Insurance.
What you cost your employer
On top of your salary, your employer pays 15% National Insurance on earnings above £5,000 a year, which is £3,750 at £30,000. So employing you costs at least £33,750 a year before any workplace pension contribution. Small employers may be able to offset some of this with the Employment Allowance.
£30,000 after tax in Scotland
Scottish taxpayers on £30,000 take home £34.93 more a year, because the first £3,967 of taxable pay is charged at the 19% starter rate. Your National Insurance of £1,394.40 is the same wherever you live in the UK.
| England, Wales and NI | Scotland | |
|---|---|---|
| Income Tax | £3,486 | £3,451 |
| National Insurance | £1,394 | £1,394 |
| Take-home per year | £25,120 | £25,155 |
| Take-home per month | £2,093 | £2,096 |
Student loan repayments on £30,000
| Plan | Threshold | Per year | Per month | Take-home after repayment |
|---|---|---|---|---|
| Plan 1 (England or Wales before September 2012, or Northern Ireland) | £26,900 at 9% | £279 | £23.25 | £24,841 |
| Plan 2 (England or Wales between September 2012 and July 2023) | £29,385 at 9% | £55 | £4.61 | £25,064 |
| Plan 4 (Scotland) | £33,795 at 9% | £0 | £0 | £25,120 |
| Plan 5 (England from August 2023) | £25,000 at 9% | £450 | £37.50 | £24,670 |
| Postgraduate Loan (Master's or Doctoral loan) | £21,000 at 6% | £540 | £45 | £24,580 |
Pension contributions on £30,000
| You pay in | Into pension per year | Take-home per year | Per month | Cost to take-home |
|---|---|---|---|---|
| 3% | £900 | £24,472 | £2,039 | £648 |
| 5% | £1,500 | £24,040 | £2,003 | £1,080 |
| 8% | £2,400 | £23,392 | £1,949 | £1,728 |
| 10% | £3,000 | £22,960 | £1,913 | £2,160 |
What a pay rise on £30k is worth
| Rise | New salary | New take-home | Extra per year | Extra per month |
|---|---|---|---|---|
| 3% | £30,900 | £25,768 | £648 | £54 |
| 5% | £31,500 | £26,200 | £1,080 | £90 |
| 10% | £33,000 | £27,280 | £2,160 | £180 |
How £30,000 compares with the UK average
A £30,000 salary is £9,900 less than the typical full-time wage in the UK. The Office for National Statistics measured median full-time pay at £766.60 a week in April 2025, which is roughly £39,900 over a year.
Nearby salaries after tax
- £25,000 after tax £21,520 a year
- £28,000 after tax £23,680 a year
- £29,000 after tax £24,400 a year
- £31,000 after tax £25,840 a year
- £32,000 after tax £26,560 a year
- £35,000 after tax £28,720 a year
- £40,000 after tax £32,320 a year
Full salary after tax table · Calculate with your own pension and tax code
Guides and definitions
- High Income Child Benefit Charge: how it is worked out and cut
- How to read your payslip: every line explained, with an example
- National Insurance rates 2026/27: what you pay and how it works
- Emergency tax code: An emergency tax code, marked W1, M1 or X, taxes each payday on its own, as if you were paid that amount every period of the year.
- Marginal tax rate: Your marginal tax rate is the share of your next pound or dollar of income that goes in tax and deductions.
- P60: A P60 is the yearly summary of your pay and tax from one employer, due by 31 May if you work there on 5 April.
- Personal Allowance: The Personal Allowance is the income you can earn each UK tax year before Income Tax starts: £12,570 for 2026/27.
- Tax code: A UK tax code tells your employer or pension provider how much tax-free pay to give you; 1257L, meaning £12,570, is the most common.
Questions about £30k after tax
How much is £30k a month after tax?
A £30,000 salary gives you £2,093.30 a month after Income Tax and National Insurance in 2026/27, before any pension or student loan deductions. Before tax, that is £2,500 a month.
How much tax do I pay on £30,000?
You pay £3,486 in Income Tax and £1,394.40 in National Insurance a year, £4,880.40 in total. That is an effective rate of 16.3% of your salary.
£30k a year is how much an hour?
£15.38 an hour before tax if you work 37.5 hours a week for 52 weeks, or £14.42 on a 40-hour week. After tax and National Insurance it is £12.88 an hour, which is £483.07 a week.
How much is £30,000 after tax in Scotland?
In Scotland you would take home £25,155 a year, or £2,096.21 a month. Scottish Income Tax on £30,000 is £3,451.07, compared with £3,486 in the rest of the UK.
How much student loan do I repay on £30,000?
On £30,000 you repay £55.35 a year on Plan 2 (£4.61 a month): 9% of everything you earn over £29,385. Plan 1 would take £279 and Plan 5 £450, because their thresholds are lower.
How much more would I take home on £31,000?
On £31,000 you would take home £25,840 a year, £720 more than on £30,000. That is £60 extra a month.
Sources and assumptions
- Employee in England, Wales or Northern Ireland on the standard 1257L tax code, unless the Scotland section says otherwise.
- No student loan, pension contribution, benefits in kind or other deductions in the headline figures.
- Hourly figures assume 37.5 hours a week for 52 weeks; daily figures assume 260 working days a year.
- Pension examples assume salary sacrifice, so contributions come off before tax and National Insurance.
- Income Tax rates and Personal Allowances
- Scottish Income Tax
- National Insurance: how much you pay
- Repaying your student loan: what you pay
- ONS: Employee earnings in the UK 2025
These are estimates. Your payslip can differ if your tax code, pension scheme or benefits are different.