£30,000 Salary After Tax UK
On a £30,000 salary in England, Wales or Northern Ireland you take home £25,120 a year in 2026/27: £2,093 a month, £483 a week or £12.88 an hour on a 37.5-hour week. You pay £3,486 Income Tax and £1,394 National Insurance, so you keep 83.7% of your gross pay.
Your £30,000 salary breakdown
The statutory deductions from your gross pay, and what is left.
Where £30,000 sits in the UK tax system
Comfortably basic rate
Every pound between £12,570 and £50,270 is taxed at 20% plus 8% NI, so you keep 72p of each extra pound (28% in deductions). You are £20,270 below the higher-rate threshold.
Student loans bite early
Your loan payment depends heavily on the plan. On £30,000: Plan 1 £279 a year, Plan 2 £55, Plan 5 £450, and a postgraduate loan £540.
Pension costs less than it looks
A 5% pension is £1,500 a year, but take-home falls by only £1,200 through net pay, or £1,080 through salary sacrifice, thanks to tax and NI relief.
How deductions change take-home on £30,000
The same salary with the most common deductions. Use the calculator to build your own combination.
| Scenario | Take-home a year | Take-home a month | Change a year |
|---|---|---|---|
| Standard (code 1257L, no deductions) | £25,120 | £2,093 | – |
| 5% pension (salary sacrifice) | £24,040 | £2,003 | -£1,080 |
| 5% pension (net pay) | £23,920 | £1,993 | -£1,200 |
| Plan 2 student loan | £25,064 | £2,089 | -£55 |
| Plan 5 student loan | £24,670 | £2,056 | -£450 |
| Postgraduate loan | £24,580 | £2,048 | -£540 |
A realistic monthly budget on £30,000 (£2,093 a month)
The popular 50/30/20 rule applied to your take-home pay. It is a starting point, not a rule. Housing costs vary hugely by region.
Rent or mortgage, council tax, energy, food, transport and insurance.
Eating out, subscriptions, hobbies, holidays and shopping.
Emergency fund, ISA, pension top-ups and extra debt payments.
England vs Scotland on £30,000
Scotland sets its own Income Tax bands. National Insurance is the same everywhere.
| Item | England, Wales & NI | Scotland | Difference |
|---|---|---|---|
| Gross pay | £30,000 | £30,000 | – |
| Income Tax | £3,486 | £3,451 | -£35 |
| National Insurance | £1,394 | £1,394 | £0 (UK-wide) |
| Effective tax rate | 11.6% | 11.5% | – |
| Take-home a year | £25,120 | £25,155 | +£35 |
| Take-home a month | £2,093 | £2,096 | +£3 |
Compare nearby salaries
How take-home pay changes as your salary moves up or down.
£1,493 / mo (-£600)
£1,793 / mo (-£300)
£2,093 / mo
£2,393 / mo (+£300)
£2,693 / mo (+£600)
£3,293 / mo (+£1,200)
What would a pay change do to your take-home?
Compare your salary above with a raise, promotion or job offer. Higher-rate tax, National Insurance and student loan all change how much you keep.
Moving from £30,000 to £40,000 changes your take-home by +£7,200 a year (+£600 a month). You keep 72% of the extra gross pay; the rest goes in Income Tax and National Insurance. Your next pound at the new salary is taxed at a combined 28%.
Your tax and National Insurance, band by band
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Personal Allowance | 0% | £12,570 | £0 |
| Basic rate | 20% | £17,430 | £3,486 |
| Total Income Tax | £3,486 | ||
| Band | Rate | Pay in band | NI |
|---|---|---|---|
| Below Primary Threshold | 0% | £12,570 | £0 |
| Main rate | 8% | £17,430 | £1,394 |
| Above Upper Earnings Limit | 2% | £0 | £0 |
| Total National Insurance | £1,394 | ||
Frequently asked questions
How much is £30,000 a year after tax in the UK?
In 2026/27, £30,000 leaves £25,120 a year after £3,486 Income Tax and £1,394 National Insurance in England, Wales and Northern Ireland. That is £2,093 a month.
How much is £30,000 a month after tax?
About £2,093 a month, or £483 a week, assuming tax code 1257L and no pension or student loan.
What is the hourly rate for £30,000?
Before tax, £30,000 is £15.38 an hour on a 37.5-hour week (£14.42 on 40 hours). After tax it is £12.88 an hour.
What tax band is £30,000 in?
The basic-rate band. You pay 20% on pay over £12,570, and your marginal rate including 8% NI is 28%.
How much less would I take home in Scotland on £30,000?
Scottish taxpayers on £30,000 pay £35 less Income Tax in 2026/27 than in the rest of the UK.
Does a student loan change £30,000 after tax?
Yes. A Plan 2 loan would take £55 a year on this salary, leaving £25,064. Use the calculator above to try your own plan.
Related calculators and guides
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Disclaimer: This calculator gives estimates for general planning. Your real deductions depend on your tax code, pay period, employer pension scheme, benefits in kind (P11D) and student loan timing. See our methodology.