2026/27 tax year
£12,000 after tax: your take-home pay in 2026/27
On a £12,000 salary in 2026/27 you take home £12,000 a year, £1,000 a month or £231 a week after tax and National Insurance. That assumes the standard 1257L tax code, no pension and no student loan. Income tax is £0 and National Insurance £0, an effective rate of 0%.
Take-home pay · 2026/27
Per month
£1,000.00
Per year
£12,000.00
Per week
£230.77
- Gross
- £12,000
- Income tax
- £0
- National Insurance
- £0
- Effective rate
- 0%
| Item | Yearly | Monthly | Weekly | Daily | Hourly |
|---|---|---|---|---|---|
| Gross pay | £12,000.00 | £1,000.00 | £230.77 | £46.15 | £6.15 |
| Income tax | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| National Insurance | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Take-home pay | £12,000.00 | £1,000.00 | £230.77 | £46.15 | £6.15 |
Where your gross pay goes
- Effective tax rate
- 0%
- Marginal rate
- 0%
- Personal allowance
- £12,570
- Tax code
- 1257L
Effective rate is income tax, NI and loan repayments as a share of gross pay. Marginal rate is what you lose from the next £1 earned. Employer NI on this salary is £1,050 a year on top.
Different pension, tax code or student loan? Adjust £12,000 in the calculator
How does £12,000 compare with the UK median?
A gross salary of £12,000 is £27,039 (69%) below the UK median full-time salary of £39,039. £0 of it goes in deductions, leaving you with 100% of what you earn. Your income sits below the £12,570 personal allowance, so no income tax is due, and each extra £100 earned above £12,000 would add £100 to your take-home because the marginal rate is 0%.
How much income tax and National Insurance do you pay on £12,000?
The first £12,570 is tax-free personal allowance; income tax applies only to the £0 above it. National Insurance is 8% on earnings between £12,570 and £50,270, which comes to £0 a year or £0 a month.
What is £12,000 after tax in Scotland?
A Scottish taxpayer on £12,000 takes home the same amount, because at this income the Scottish and rest-of-UK systems produce identical tax.
What does £12,000 look like monthly, weekly and hourly?
Spread across a 37.5 hour week, £12,000 is £6.15 an hour before tax and £6.15 after. Adding a 5% pension contribution would reduce take-home pay by about £600 a year while saving £600 into the pension, and a Plan 2 student loan would take a further £0.
| Scenario | Take-home per year | Per month | Effective rate |
|---|---|---|---|
| Standard, rest of UK | £12,000 | £1,000 | 0% |
| Standard, Scotland | £12,000 | £1,000 | 0% |
| With 5% pension (net pay) | £11,400 | £950 | 0% |
| With Plan 2 student loan | £12,000 | £1,000 | 0% |
| With 5% pension and Plan 2 loan | £11,400 | £950 | 0% |
Frequently asked questions
How much is £12,000 a month after tax?
£12,000 a year is £1,000 a month after tax and National Insurance in 2026/27, from a gross monthly pay of £1,000. Deductions each month are £0 income tax and £0 NI.
How much is £12,000 a week after tax?
£12,000 a year works out at £231 a week after tax, or £46 a day on a five-day week. Before tax it is £231 a week.
Is £12,000 a good salary in the UK?
£12,000 is £27,039 (69%) below the UK median full-time salary of £39,039. Whether it is good depends on where you live, your housing costs and your household, but it puts you in the bottom half of full-time earners.
What is £12,000 after tax with a pension and student loan?
With a 5% net-pay pension the take-home is £11,400 a year. With a Plan 2 student loan and no pension it is £12,000. With both it is £11,400, or £950 a month.
How much tax do you pay on £12,000 in Scotland?
A Scottish taxpayer on £12,000 pays £0 income tax in 2026/27, compared with £0 in the rest of the UK. National Insurance is the same at £0, so take-home pay is £12,000.
Related calculators and guides
- Take-Home Pay CalculatorSee exactly what lands in your bank account after tax, NI, pension and student loan.
- Pay Rise CalculatorFind out how much of a raise you keep after tax, NI, pension and student loan.
- Pension Contribution CalculatorSee the tax relief on your contributions and the real cost of paying into your pension.
- Student Loan Repayment CalculatorMonthly repayments, years to clear and whether your loan will be written off first.
- Salary to Hourly CalculatorBreak a salary down into what you earn per hour, day, week and month.
- Pro Rata Salary CalculatorScale a full-time salary to part-time hours and see the take-home pay.
- GuideHow take-home pay is calculated in the UK
- GuideUK income tax bands and rates explained