£12,000 after tax
Quick answer
If you earn a £12,000 salary in 2026/27, your take-home pay is £12,000 a year, or £1,000 a month. That's after £0 income tax and £0 National Insurance, so you keep 100.0% of your gross salary.
Take-home pay on £12,000
Take-home pay
per year · you keep
monthly
weekly
daily
How much is £12,000 after tax?
A gross salary of £12,000 in the 2026/27 tax year leaves you with a take-home pay of £12,000 a year - that's £1,000 a month, £231 a week, or about £46 per working day. The deductions are £0 in income tax and £0 in National Insurance, so you keep 100.0% of what you earn. These figures assume the standard tax code, no pension contributions and no student loan - add those on the full salary calculator.
Where your £12,000 goes
| Item | Per year | Per month |
|---|---|---|
| Gross salary | £12,000 | £1,000 |
| Income Tax | − £0 | − £0 |
| National Insurance | − £0 | − £0 |
| Take-home pay | £12,000 | £1,000 |
How the tax on £12,000 is worked out
You get a £12,570 tax-free Personal Allowance, leaving £0 of taxable income. Income tax is then charged in bands:
| Band | Rate | Taxed | Tax |
|---|---|---|---|
| Personal Allowance | 0% | £12,570 | £0 |
| National Insurance | n/a | n/a | £0 |
On your next £100 of salary you'd keep about £100 - a marginal rate of 0%. That's useful to know before negotiating a raise or taking on overtime.
£12,000 vs nearby salaries
How your take-home changes at nearby salaries (yearly):
| Salary | Take-home / yr | Take-home / mo | You keep |
|---|---|---|---|
| £11,000 | £11,000 | £917 | 100.0% |
| £13,000 | £12,880 | £1,073 | 99.1% |
| £17,000 | £15,760 | £1,313 | 92.7% |
| £12,000 (this page) | £12,000 | £1,000 | 100.0% |
Estimate for the 2026/27 tax year (England, Wales & Northern Ireland), based on the standard Personal Allowance and Class 1 National Insurance. Scotland has different income tax bands - use the salary calculator and select Scotland. Source: GOV.UK official rates.
