£12,000 after tax
In 2026/27, a £12,000 salary with the standard tax code in England, Wales or Northern Ireland leaves £12,000 a year after income tax and National Insurance, £1,000 a month, £231 a week, or £6.15 an hour at 37.5 hours a week.
£12,000 sits entirely inside the £12,570 personal allowance, so with the standard tax code you pay no income tax and no National Insurance, every pound arrives as take-home pay. You are £570 below the point where deductions begin.
Take-home · 2026/27
£12,000
- Monthly
- £1,000
- Weekly
- £231
- Daily
- £46
- Hourly
- £6.15
Watch it explained
About a minute, with sound. The same numbers as this page, worked through step by step.
The deductions
| Year | Month | |
|---|---|---|
| Gross pay | £12,000 | £1,000 |
| Income tax | −£0 | −£0 |
| National Insurance | −£0 | −£0 |
| Take-home pay | £12,000 | £1,000 |
0%
effective deduction rate
0%
marginal rate
How the income tax is worked out
| Personal allowance | £12,570 tax-free |
|---|---|
| Total income tax | £0.00 |
National Insurance: 8% of pay between £12,570 and £50,270, 2% above. Your employer also pays £1,050 in employer’s NI that never appears on your payslip.
How £12,000 compares across the UK
The UK median full-time salary is £39,039 (ONS Annual Survey of Hours and Earnings, 2025 provisional), so £12,000 sits £27,039 below the middle of the national pay distribution. It is at or above the local full-time median in 0 of 348 reported local authorities.
| Where | Median full-time salary | £12,000 vs the median |
|---|---|---|
| United Kingdom | £39,039 | £27,039 below |
| London | £46,414 | £34,414 below |
| South East | £41,618 | £29,618 below |
| East of England | £40,863 | £28,863 below |
| South West | £37,543 | £25,543 below |
| West Midlands Region | £37,048 | £25,048 below |
| East Midlands | £36,194 | £24,194 below |
| Yorkshire and The Humber | £35,990 | £23,990 below |
| North West | £37,445 | £25,445 below |
| North East | £34,833 | £22,833 below |
| Scotland | £39,905 | £27,905 below |
| Wales | £36,354 | £24,354 below |
| Northern Ireland | £37,129 | £25,129 below |
Medians are gross pay for full-time employees by place of residence. Comparing gross to gross; your take-home from £12,000 is £12,000.
Where £12,000 sits among all UK taxpayers
On £12,000 you are earning more than 1% of UK taxpayers.
With a student loan
Student-loan repayments come off through payroll on income above your plan’s threshold, at £12,000 you are below every plan's threshold, so nothing is repaid.
| Plan | Repaid / year | Take-home / year | Take-home / month |
|---|---|---|---|
| Plan 1 | £0 | £12,000 | £1,000 |
| Plan 2 | £0 | £12,000 | £1,000 |
| Plan 4 (Scotland) | £0 | £12,000 | £1,000 |
| Plan 5 | £0 | £12,000 | £1,000 |
| Postgraduate Loan | £0 | £12,000 | £1,000 |
With a pension
Contributing through a workplace (net-pay) scheme reduces your taxable pay:
| You contribute | Into pension | Take-home |
|---|---|---|
| 3% | £360 | £11,640 |
| 5% | £600 | £11,400 |
| 8% | £960 | £11,040 |
In Scotland
Scotland sets its own income-tax bands; National Insurance stays UK-wide.
£12,000
take-home in Scotland , the same as England within £1 at this salary.
Income tax: £0.00 across 0 Scottish bands.
£12,000 after tax, common questions
Is £12,000 above the UK median salary?
The UK median full-time salary is £39,039 (ONS ASHE, 2025 provisional), so £12,000 is £27,039 below it. It is at or above the local full-time median in 0 of 348 reported UK local authorities.
How much is £12,000 a month after tax?
£1,000 a month in 2026/27, after income tax (none is due at this salary) and National Insurance, with the standard tax code in England, Wales or Northern Ireland. That is £231 a week.
How much tax do you pay on £12,000?
£0.00 income tax and £0.00 National Insurance a year, £0 in total, which is 0% of the salary.
What is £12,000 after tax with a Plan 2 student loan?
£12,000 a year (£1,000 a month), repaying £0 a year on the loan.
Is £12,000 different after tax in Scotland?
Effectively no, Scottish bands produce the same result within £1 at this salary.
Nearby salaries
Estimates for the 2026/27 tax year with the standard tax code, one employment, category A National Insurance. Not tax, financial or legal advice, rates verified against GOV.UK sources.