£12,000 after tax in 2026/27
On a £12,000 salary you take home £12,000 a year, which is £1,000 a month or £230.77 a week, after £0 income tax and £0 National Insurance.
Take-home a month
£1,000
Take-home a year
£12,000
A week
£230.77
An hour
£6.15
Full breakdown
| Year | Month | Week | |
|---|---|---|---|
| Gross salary | £12,000 | £1,000 | £230.77 |
| Tax-free personal allowance | £12,570 | ||
| National Insurance | -£0 | -£0 | -£0 |
| Take-home pay | £12,000 | £1,000 | £230.77 |
Your effective tax rate is 0.0%, but the rate on your next pound is higher: of the next £100 you earn you'd keep £100. Your employer also pays about £1,050 employer National Insurance on top, so you cost them around £13,050 a year.
You pay no income tax at £12,000, because it's within the £12,570 personal allowance.
How it changes for you
The same £12,000 salary in different situations.
| Situation | Year | Month | vs standard |
|---|---|---|---|
| Standard (England, Wales, NI) | £12,000 | £1,000 | – |
| Living in Scotland | £12,000 | £1,000 | – |
| With 5% pension (salary sacrifice) | £11,400 | £950 | −£50/mo |
| With Plan 2 student loan | £12,000 | £1,000 | – |
| With Plan 5 student loan | £12,000 | £1,000 | – |
A pension lowers take-home but the money goes into your pension pot, with tax relief added.
Questions
How much is £12,000 after tax a month?+
£1,000 a month, based on 2026/27 rates in England, Wales and Northern Ireland with no pension or student loan. That's £12,000 a year or £230.77 a week.
How much tax do I pay on £12,000?+
£0 income tax and £0 National Insurance a year, £0 in total. That's an effective rate of 0.0% of your salary.
What is £12,000 a year as an hourly rate?+
Working 37.5 hours a week, £12,000 is about £6.15 an hour before tax, or £6.15 an hour after tax.
Is £12,000 after tax different in Scotland?+
No, at £12,000 the take-home is the same.
Estimates for information only, using 2026/27 rates. Not financial or tax advice; check your own situation with HMRC or a qualified adviser.