£12,000 after tax
A gross salary of £12,000 leaves you with £12,000 a year in 2026/27 — about £1,000 a month. That is £25,430 below the UK median full-time salary of £37,430.
- A month
- £1,000
- A week
- £231
- Effective tax rate
- 0.0%
- Marginal rate
- 0%
Full breakdown
| Year | Month | Week | Day | |
|---|---|---|---|---|
| Gross salary | £12,000 | £1,000 | £230.77 | £46.15 |
| Income Tax | −£0 | −£0 | −£0.00 | −£0.00 |
| National Insurance | −£0 | −£0 | −£0.00 | −£0.00 |
| Take-home pay | £12,000 | £1,000 | £230.77 | £46.15 |
Income Tax bands
You earn less than the £12,570 personal allowance, so you pay no Income Tax.
England vs Scotland on £12,000
Income Tax is devolved, so where you live changes the answer. National Insurance is the same across the UK.
| Where you live | Income Tax | National Insurance | Take-home |
|---|---|---|---|
| England, Wales & N. Ireland | £0 | £0 | £12,000 |
| Scotland | £0 | £0 | £12,000 |
The two systems produce the same result at this salary.
£12,000 with a pension or student loan
Most people have at least one of these coming off. Here is what each does to the same salary.
| Scenario | Take-home a year | A month |
|---|---|---|
| No deductions beyond tax and NI | £12,000 | £1,000 |
| With a Plan 2 student loan | £12,000 | £1,000 |
| With a Plan 5 student loan | £12,000 | £1,000 |
| With a 5% salary sacrifice pension | £11,400 | £950 |
| With a 5% pension and Plan 2 loan | £11,400 | £950 |
Want to model your own combination? Open it in the full calculator →
What £12,000 actually means month to month
On £1,000 a month gross, £0 goes to Income Tax and £0 to National Insurance, leaving £1,000. Spread across a 37.5-hour week that is £6.15 an hour of take-home pay.
Your marginal rate is 0%. That is the figure that matters when you are weighing up overtime, a bonus or a pay rise: of the next £100 you earn, £0 disappears in tax and National Insurance and you keep £100.
Questions about a £12,000 salary
How much is £12,000 a year after tax?
A £12,000 salary leaves £12,000 a year after Income Tax and National Insurance in 2026/27 — about £1,000 a month, or £231 a week. That assumes a standard 1257L tax code and no pension or student loan deductions.
How much tax do I pay on £12,000?
You pay £0 in Income Tax and £0 in National Insurance, a total of £0. That is an effective rate of 0.0% of your gross salary.
What is £12,000 a year per month?
Before tax it is £1,000 a month. After tax and National Insurance you take home £1,000 a month.
What is £12,000 a year per hour?
On a 37.5-hour week it works out at £6.15 an hour gross, or £6.15 an hour after tax and National Insurance.