£12,000 After Tax UK (2026/27)
If you earn £12,000 (12k) a year, your take-home pay is £12,000.00 — that's £1,000.00 a month or £230.77 a week after Income Tax and National Insurance.
- Take-home 100.0%
£12,000 salary breakdown
| 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 |
England, Wales and Northern Ireland, standard tax code 1257L, no pension or student loan. Hourly figures assume 37.5 hours a week. Change the options in the salary calculator →
12k a year is how much a month after tax?
On £12,000 a year your gross pay is £1,000.00 a month. After £0.00 Income Tax and £0.00 National Insurance, you take home £1,000.00 a month.
Income Tax on £12,000
You get a tax-free Personal Allowance of £12,570, so £0 of your salary is taxable. That gives an Income Tax bill of £0.00 a year. Your marginal rate — the share of any pay rise you lose to tax and NI — is 0%.
No Income Tax is due — all of this income is covered by the Personal Allowance.
National Insurance on £12,000
You pay £0.00 in employee National Insurance a year (£0.00 a month). Your employer also pays about £1,050.00 in employer NI on top of your salary.
£12,000 after tax in Scotland
Scottish taxpayers earning £12,000 pay £0.00 Income Tax and take home £12,000.00 a year, or £1,000.00 a month. That is about the same as the rest of the UK. Use the Scotland calculator →
12k after tax with a student loan or pension
| Scenario | Monthly take-home | Yearly take-home |
|---|---|---|
| No extras | £1,000.00 | £12,000.00 |
| Plan 2 student loan | £1,000.00 | £12,000.00 |
| Plan 5 student loan | £1,000.00 | £12,000.00 |
| 5% salary sacrifice pension | £950.00 | £11,400.00 |
A 5% salary sacrifice puts £600.00 a year into your pension but only lowers your take-home pay by £600.00, because you save tax and NI on it. Try the salary sacrifice calculator →
Frequently asked questions
How much is 12k after tax in the UK?
In England, Wales and Northern Ireland, a £12,000 salary gives a take-home pay of £12,000.00 a year in 2026/27, after £0.00 Income Tax and £0.00 National Insurance.
12k a year is how much a month after tax?
£12,000 a year is £1,000.00 a month after tax and National Insurance, before any pension or student loan deductions. Your gross monthly pay is £1,000.00.
How much is £12,000 a week after tax?
You would take home about £230.77 a week, or £46.15 per working day.
What is £12,000 a year as an hourly rate?
Based on a 37.5-hour week, £12,000 is £6.15 an hour before tax and £6.15 an hour after tax.
How much tax do I pay on £12,000 in Scotland?
A Scottish taxpayer earning £12,000 pays £0.00 Income Tax and takes home £12,000.00 a year (£1,000.00 a month) — £0.00 more than in the rest of the UK.
Is £12,000 a good salary in the UK?
£12,000 is below the median full-time UK salary, which was £39,039 in April 2025 (ONS Annual Survey of Hours and Earnings). Whether it is enough depends on where you live, your housing costs and whether you support a family.