£30,000 After Tax UK (2026/27)
Take-home pay on £30,000 is £25,119.60 a year — £2,093.30 a month or £483.07 a week — after £3,486 of Income Tax and £1,394.40 of National Insurance in 2026/27.
Rates for England, Wales & Northern Ireland, 2026/27, standard tax code. Live in Scotland or pay into a pension? Use the full calculator.
Last updated: 12 October 2026 · Sources: HMRC: Rates and thresholds for employers 2026 to 2027; HMRC: Salary sacrifice and the effects on PAYE; GOV.UK: Income Tax rates and Personal Allowances; GOV.UK: National Insurance – how much you pay; GOV.UK: Repaying your student loan – what you pay; GOV.UK: Income Tax in Scotland; GOV.UK: National Minimum Wage and National Living Wage rates; Low Pay Commission: Minimum wage rates for 2026; GOV.UK: Who gets the minimum wage; GOV.UK: Employers and the minimum wage; HM Treasury: thresholds maintained until 5 April 2031; GOV.UK: Marriage Allowance; GOV.UK: Individual Savings Accounts; GOV.UK: Workplace pensions – what you, your employer and the government pay; DWP: Review of the automatic enrolment earnings trigger and qualifying earnings band for 2026/27; GOV.UK: Pension tax relief; GOV.UK: Pension annual allowance; HMRC: Adjusted net income; HMRC: CWG2 further guide to PAYE and National Insurance 2026 to 2027; HMRC: Student loan and postgraduate loan repayment guidance for employers; HMRC: Pensions relief relating to net pay arrangements
For information only, not tax advice. Figures are estimates for a standard case; your own tax position may differ. Check with the official source or a qualified adviser before making decisions.
Where £30,000 sits in the tax bands
£30,000 stays inside the basic-rate band: after the £12,570 Personal Allowance, the remaining £17,430 is all taxed at 20%, which comes to £3,486.
National Insurance is 8% on the £17,430 above £12,570: £1,394.40 a year.
| Band | Rate | Income in band | Income Tax |
|---|---|---|---|
| Personal Allowance | 0% | £12,570 | £0 |
| Basic rate | 20% | £17,430 | £3,486 |
Earning £1,000 more (£31,000) would add £200 of Income Tax and £80 of National Insurance, so you would keep £720 of it — a combined marginal rate of 28%. It is 20% Income Tax plus 8% National Insurance.
£30,000 is £20,270 below the higher-rate threshold (£50,270), where Income Tax rises to the higher rate and National Insurance drops to the upper rate.
£30,000 by year, month, week, day and hour
| Year | Month | Week | Day | Hour | |
|---|---|---|---|---|---|
| Gross pay | £30,000.00 | £2,500.00 | £576.92 | £115.38 | £15.38 |
| Income Tax | -£3,486.00 | -£290.50 | -£67.04 | -£13.41 | -£1.79 |
| National Insurance | -£1,394.40 | -£116.20 | -£26.82 | -£5.36 | -£0.72 |
| Take-home pay | £25,119.60 | £2,093.30 | £483.07 | £96.61 | £12.88 |
Day = year ÷ 260 working days. Hour = 37.5 hours a week × 52 weeks (1950 hours); gross hourly pay is £15.38.
£30,000 compared with £28,000 and £32,000
| Salary | Take-home / year | Take-home / month | Effective rate | Take-home vs £30,000 |
|---|---|---|---|---|
| £28,000 | £23,679.60 | £1,973.30 | 15.4% | −£1,440.00 |
| £30,000 | £25,119.60 | £2,093.30 | 16.3% | — |
| £32,000 | £26,559.60 | £2,213.30 | 17.0% | +£1,440.00 |
Going from £28,000 to £30,000 adds £2,000 before tax and £1,440 after it — 72% of the rise.
Going from £30,000 to £32,000 adds £2,000 before tax and £1,440 after it — 72% of the rise.
Student loans and pension on £30,000
| Scenario | Take-home cut / year | Take-home / year | Take-home / month |
|---|---|---|---|
| No student loan or pension | — | £25,119.60 | £2,093.30 |
| Plan 2 student loan | −£55.35 | £25,064.25 | £2,088.69 |
| Plan 5 student loan | −£450.00 | £24,669.60 | £2,055.80 |
| 5% pension (salary sacrifice) | −£1,080.00 | £24,039.60 | £2,003.30 |
- Plan 2 (9% of income above £29,385): £55.35 a year, or £4.61 a month, leaving £25,064.25 take-home.
- Plan 5 (9% of income above £25,000): £450 a year, or £37.50 a month, leaving £24,669.60 take-home.
- Paying 5% of salary (£1,500) into a workplace pension by salary sacrifice lowers take-home by £1,080, not the full £1,500, because it also saves £420 of Income Tax and National Insurance. Each £1 that goes into the pension costs 72p of take-home pay.
How £30,000 compares with UK earnings
£30,000 is 23.2% below the £39,039 median gross salary for UK full-time employees (ONS ASHE 2025, provisional, April 2025).
£30,000 sits between the 25th percentile (£29,262) and the 30th (£30,935), so at least 25% of full-time employees earn less and at least 70% earn more.
Gross pay before tax. Sources: ONS: ASHE Table 1, 2025 provisional (Table 1.7a, full-time annual gross pay); ONS: Employee earnings in the UK: 2025.
£30,000 after tax: questions
How much is £30,000 a month after tax?
£2,093.30 a month in 2026/27, or £483.07 a week. That is £30,000 minus £3,486 Income Tax and £1,394.40 National Insurance, with no student loan or pension deductions.
What tax band is £30,000 in?
£30,000 stays inside the basic-rate band: after the £12,570 Personal Allowance, the remaining £17,430 is all taxed at 20%, which comes to £3,486. Earning £1,000 more (£31,000) would add £200 of Income Tax and £80 of National Insurance, so you would keep £720 of it — a combined marginal rate of 28%. It is 20% Income Tax plus 8% National Insurance.
How much student loan would I repay on £30,000?
Plan 2 (9% of income above £29,385): £55.35 a year, or £4.61 a month, leaving £25,064.25 take-home. Plan 5 (9% of income above £25,000): £450 a year, or £37.50 a month, leaving £24,669.60 take-home.
How does £30,000 compare with the UK median salary?
£30,000 is 23.2% below the £39,039 median gross salary for UK full-time employees (ONS ASHE 2025, provisional, April 2025). £30,000 sits between the 25th percentile (£29,262) and the 30th (£30,935), so at least 25% of full-time employees earn less and at least 70% earn more.
Related
- Salary Tax Calculator — any salary, Scottish tax, pensions, all student loan plans, US tax
- All UK salary after-tax guides
- How Much Tax Will I Pay on £30,000?