On a £30,000 salary in the UK, your total deductions for 2025/26 are £5,492, giving you a take-home pay of £24,508 per year or £2,042 per month.
Here is the full breakdown:
Personal allowance: £12,570 (tax-free) Taxable income: £17,430 Income tax at 20%: £3,486 National Insurance at 8%: £1,394 (on earnings between £12,570 and £30,000) Total tax and NI: £4,880
Your take-home pay is £25,120 per year, which works out to £2,093 per month, £483 per week, or £12.08 per hour (based on 40 hours per week).
Your effective tax rate is 16.27%, meaning you keep about 84p of every pound you earn. Your marginal rate is 28%, so any bonus or pay rise would be taxed at this combined rate.
At £30,000 you are comfortably within the basic rate band, which runs up to £50,270. You have significant headroom before hitting the higher rate, which is good news if you are expecting salary increases.
If you have a Plan 2 student loan, you would repay £243 per year (9% of income above £27,295). This reduces your monthly take-home by about £20.
Working from home? You can claim the flat rate allowance of £6 per week (£312 per year) if your employer requires you to work from home, saving £62 in tax.
Use our take-home pay calculator for your exact figures with student loan and pension.