£30,000 after tax: take-home pay 2026/27
On a £30,000 salary in 2026/27, take-home in England, Wales or Northern Ireland is £25,119.60 a year (£2,093.30 a month) with a standard tax code, no pension and no student loan. Figures use HMRC rates and thresholds for employers 2026 to 2027.
- Gross
- £30,000
- Take-home / year
- £25,120 (£25,119.60)
- Take-home / month
- £2,093 (£2,093.30)
- Effective rate
- 16.3%
Assumes 2026/27 · England, Wales & NI · tax code 1257L · no pension · no student loan · 52 weeks. Not Scotland unless you switch below.
£30,000 salary breakdown
| Item | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross pay | £30,000.00 | £2,500.00 | £576.92 |
| Personal allowance | £12,570.00 | £1,047.50 | £241.73 |
| Taxable income | £17,430.00 | £1,452.50 | £335.19 |
| Income tax | £3,486.00 | £290.50 | £67.04 |
| National Insurance | £1,394.40 | £116.20 | £26.82 |
| Take-home pay | £25,119.60 | £2,093.30 | £483.07 |
Tax by band
- Basic rate · 20.0%£3,486.00
Adjust this £30,000 calculation
Which tax bands does £30,000 hit?
£30,000 sits in the basic-rate band for 2026/27. After the £12,570 personal allowance, £17,430 is taxed at 20%, giving income tax of £3,486.00. Employee National Insurance adds another 8% on earnings between £12,570 and £50,270, which works out at £1,394.40 here.
You are well below the higher-rate threshold of £50,270 (England, Wales and Northern Ireland), so every extra £1 you earn keeps 72p after the 20% income tax and 8% employee NI. That combined 28% marginal rate is what to think about when weighing a pay rise at this level.
£0 – £37,700 of taxable income · £17,430.00 taxed
Student loan and pension on £30,000
| Scenario | Tax | NI | Loan | Pension | Monthly | Take-home |
|---|---|---|---|---|---|---|
| Headline (Rest of UK, no pension, no loan) — The SERP number | £3,486.00 | £1,394.40 | £0.00 | £0.00 | £2,093.30 | £25,119.60 |
| Scotland, no pension, no loan — Scottish income tax bands | £3,451.07 | £1,394.40 | £0.00 | £0.00 | £2,096.21 | £25,154.53 |
| Rest of UK + Plan 2 — 9% above £29,385 | £3,486.00 | £1,394.40 | £55.00 | £0.00 | £2,088.72 | £25,064.60 |
| Rest of UK + Plan 5 — 9% above £25,000 | £3,486.00 | £1,394.40 | £450.00 | £0.00 | £2,055.80 | £24,669.60 |
| Rest of UK + Plan 2 + Postgraduate — PGL at 6% above £21,000 | £3,486.00 | £1,394.40 | £595.00 | £0.00 | £2,043.72 | £24,524.60 |
| Rest of UK + 5% salary sacrifice — Reduces tax, NI and loan bases | £3,186.00 | £1,274.40 | £0.00 | £1,500.00 | £2,003.30 | £24,039.60 |
| Rest of UK + 5% net-pay (qualifying earnings) — AE-style: LEL–UEL band | £3,253.08 | £1,394.40 | £0.00 | £1,164.60 | £2,015.66 | £24,187.92 |
£30,000 in Scotland
The same £30,000 salary in Scotland for 2026/27 takes home £25,154.53 a year — £34.93 more than in England, Wales or Northern Ireland — because Scottish income tax bands differ above the personal allowance. National Insurance is the same across the UK. At this level the gap is small; it widens sharply once pay crosses the Scottish higher-rate threshold (£43,663).
What does £2,093.30 a month cover?
£2,093.30 a month (from a £30,000 salary) clears the rent on a two-bed in most of the UK or a decent one-bed in outer London, and leaves a meaningful amount for transport, food and saving.
Using a common 4.5× gross multiple, that is in the region of a £135,000 mortgage — enough for a modest starter flat or house outside the South East, though regional prices vary enormously.
This is the level where a pension contribution or a student loan repayment starts to be a real trade-off against housing costs, which is exactly what the calculator above lets you model.
Mortgage illustration uses 4.5× gross (£135,000) — lender affordability rules vary; not advice.
Jobs that pay around £30,000
- Nurse (Band 5) — typical advertised range £29,700–£34,000
- Police constable — typical advertised range £29,000–£43,000
- Carpenter — typical advertised range £28,000–£38,000
- HGV driver — typical advertised range £30,000–£42,000
- Retail manager — typical advertised range £26,000–£38,000
- Office manager — typical advertised range £27,000–£39,000
Compare nearby salaries
£30,000 after tax — FAQs
How much is £30,000 after tax?
In 2026/27, a £30,000 salary in England, Wales or Northern Ireland takes home £25,119.60 a year (£2,093.30 a month) after income tax of £3,486.00 and employee National Insurance of £1,394.40, assuming no pension and no student loan. These are the headline figures shown on this page.
What is £30,000 take-home pay per month?
Monthly take-home on £30,000 for 2026/27 is £2,093.30 (£25,119.60 a year). That is before pension contributions and student loan repayments — use the calculator above to add either.
Is £30,000 a good salary?
£30,000 is a reasonable income in the UK for 2026/27, taking home £2,093.30 a month. Whether it is "good" depends on location and household size — £35,000 would take home more per month, but the gap narrows at higher bands because of the marginal tax rates shown on this page.
How does a Plan 5 student loan affect £30,000 take-home?
With a Plan 5 student loan, £30,000 take-home for 2026/27 falls to £24,669.60 a year (£2,055.80 a month) — a deduction of £450.00. Plan 5 repayments are 9% of income above £25,000 and started from April 2026.
How this figure is calculated
- Gross
- £30,000
- Personal allowance
- £12,570.00
- Taxable income
- £17,430.00
- Income tax
- £3,486.00
- Employee NI
- £1,394.40
- Take-home
- £25,119.60
£30,000 uses the 2026/27 personal allowance (£12,570), the basic rate band (£37,700 of taxable income at 20%) and employee National Insurance (8% between £12,570 and £50,270,2% above) for England, Wales and Northern Ireland. Scotland uses the six Scottish income tax bands. Monthly take-home is the annual figure divided by 12; weekly uses the 52-week year. Full sources and rounding rules: methodology.
Rates apply from 6 April 2026 · Source: GOV.UK rates and thresholds (2026 to 2027)