£12,000 after tax
A £12,000 salary leaves £1,000 a month after Income Tax and National Insurance in England, Wales and Northern Ireland — 100.0% of what you earn.
Take-home a month
£1,000
£12,000 a year · £231 a week
Hourly, before tax
£6.15
Hourly, after tax
£6.15
On a 37.5-hour week.
Where the £12,000 goes
| Year | Month | Week | |
|---|---|---|---|
| Gross salary | £12,000 | £1,000 | £231 |
| Income Tax | £0 | £0 | £0 |
| National Insurance | £0 | £0 | £0 |
| Take-home pay | £12,000 | £1,000 | £231 |
Effective rate of Income Tax and NI combined: 0.0%.
How the tax is worked out
- £12,570 is your tax-free Personal Allowance.
- Nothing is left above the allowance, so there is no Income Tax to pay.
- National Insurance is 8% of earnings between £12,570 and £50,270: £0.
- A £1,000 pay rise, to £13,000, would add £880 a year to your take-home pay — £73 a month. You keep 88p of each extra pound.
With a pension or student loan
England, Wales and Northern Ireland rates.
| A month | A year | |
|---|---|---|
| No pension or student loan | £1,000 | £12,000 |
| 5% workplace pension (salary sacrifice) | £950 | £11,400 |
| Student loan, Plan 2 (England & Wales, 2012–2023) | £1,000 | £12,000 |
| Student loan, Plan 5 (England, from 2023) | £1,000 | £12,000 |
| 5% pension and Plan 2 loan | £950 | £11,400 |
£12,000 after tax in Scotland
Scotland sets its own Income Tax bands. On £12,000 a Scottish taxpayer takes home £12,000 a year, £1,000 a month — the same as elsewhere in the UK. Income Tax comes to £0; National Insurance is the same everywhere.
Open the calculator with Scottish rates →How £12,000 compares
Over 90% of full-time employees in the UK earn more than £12,000: the lowest-paid tenth earn up to £23,990. The full-time median is £39,039, £27,039 more. Source: ONS Annual Survey of Hours and Earnings, 2025-provisional.
Questions about £12,000 after tax
How much is £12,000 a month after tax?
On a £12,000 salary you take home about £1,000 a month in the 2026/27 tax year in England, Wales or Northern Ireland, after £0 Income Tax and £0 National Insurance a year. That assumes no pension contributions or student loan.
How much is £12,000 a week after tax?
About £231 a week, or £12,000 a year.
What is £12,000 a year as an hourly rate?
On a 37.5-hour week, £12,000 is £6.15 an hour before tax and about £6.15 after Income Tax and National Insurance.
How much is £12,000 after tax in Scotland?
In Scotland the same salary leaves £12,000 a year, £1,000 a month — the same than elsewhere in the UK, because Scotland sets its own Income Tax bands.
Is £12,000 a good salary in the UK?
Over 90% of full-time employees in the UK earn more than £12,000: the lowest-paid tenth earn up to £23,990. Source: ONS Annual Survey of Hours and Earnings (2025-provisional). The median full-time salary is £39,039.