2026/27 tax year

£31,000 after tax: your take-home pay in 2026/27

On a £31,000 salary in 2026/27 you take home £25,840 a year, £2,153 a month or £497 a week after tax and National Insurance. That assumes the standard 1257L tax code, no pension and no student loan. Income tax is £3,686 and National Insurance £1,474, an effective rate of 16.6%.

Take-home pay · 2026/27

Per month

£2,153.30

Per year

£25,839.60

Per week

£496.92

Gross: £31,000
Income tax: £3,686
National Insurance: £1,474
Effective rate: 16.6%

Take-home pay breakdown by period for 2026/27
Item	Yearly	Monthly	Weekly	Daily	Hourly
Gross pay	£31,000.00	£2,583.33	£596.15	£119.23	£15.90
Income tax	−£3,686.00	−£307.17	−£70.88	−£14.18	−£1.89
National Insurance	−£1,474.40	−£122.87	−£28.35	−£5.67	−£0.76
Take-home pay	£25,839.60	£2,153.30	£496.92	£99.38	£13.25

Where your gross pay goes

Take-home £25,840(83%)Income tax £3,686(12%)National Insurance £1,474(5%)

Effective tax rate: 16.6%
Marginal rate: 28%
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 £3,900 a year on top.

Income tax by band
Band	Rate	Taxable	Tax
Basic rate	20%	£18,430	£3,686.00
Total income tax		£18,430	£3,686.00

Different pension, tax code or student loan? Adjust £31,000 in the calculator

How does £31,000 compare with the UK median?

A gross salary of £31,000 is £8,039 (21%) below the UK median full-time salary of £39,039. £5,160 of it goes in deductions, leaving you with 83% of what you earn. Your income sits in the basic rate band, so the top slice of pay is taxed at 20%, and each extra £100 earned above £31,000 would add £72 to your take-home because the marginal rate is 28%.

How much income tax and National Insurance do you pay on £31,000?

The first £12,570 is tax-free personal allowance; income tax applies only to the £18,430 above it. National Insurance is 8% on earnings between £12,570 and £50,270, which comes to £1,474 a year or £123 a month.

What is £31,000 after tax in Scotland?

A Scottish taxpayer on £31,000 takes home £25 more a year (£25,865), because the Scottish starter rate of 19% applies to the first slice of taxable income.

What does £31,000 look like monthly, weekly and hourly?

Spread across a 37.5 hour week, £31,000 is £15.90 an hour before tax and £13.25 after. Adding a 5% pension contribution would reduce take-home pay by about £1,240 a year while saving £1,550 into the pension, and a Plan 2 student loan would take a further £144.

Scenario	Take-home per year	Per month	Effective rate
Standard, rest of UK	£25,840	£2,153	16.6%
Standard, Scotland	£25,865	£2,155	16.6%
With 5% pension (net pay)	£24,600	£2,050	15.6%
With Plan 2 student loan	£25,696	£2,141	17.1%
With 5% pension and Plan 2 loan	£24,456	£2,038	16.1%

Frequently asked questions

How much is £31,000 a month after tax?

£31,000 a year is £2,153 a month after tax and National Insurance in 2026/27, from a gross monthly pay of £2,583. Deductions each month are £307 income tax and £123 NI.

How much is £31,000 a week after tax?

£31,000 a year works out at £497 a week after tax, or £99 a day on a five-day week. Before tax it is £596 a week.

Is £31,000 a good salary in the UK?

£31,000 is £8,039 (21%) 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 £31,000 after tax with a pension and student loan?

With a 5% net-pay pension the take-home is £24,600 a year. With a Plan 2 student loan and no pension it is £25,696. With both it is £24,456, or £2,038 a month.

How much tax do you pay on £31,000 in Scotland?

A Scottish taxpayer on £31,000 pays £3,661 income tax in 2026/27, compared with £3,686 in the rest of the UK. National Insurance is the same at £1,474, so take-home pay is £25,865.