£48,000 salary after tax
Take-home pay on £48,000 a year in the 2026/27 tax year (6 April 2026 to 5 April 2027), with the standard 1257L tax code and no pension.
£3,173
take-home pay a month (England, Wales and Northern Ireland, 2026/27)
Year £38,080 Week £732 Scotland: £3,085 a month
England, Wales, NI
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | £48,000 | £4,000 | £923 |
| Income Tax | -£7,086 | -£591 | -£136 |
| National Insurance | -£2,834 | -£236 | -£55 |
| Take-home pay | £38,080 | £3,173 | £732 |
Scotland
| Year | Month | |
|---|---|---|
| Income Tax | -£8,142 | -£679 |
| National Insurance | -£2,834 | -£236 |
| Take-home pay | £37,024 | £3,085 |
That is about £24.62 an hour before tax, at 37.5 hours a week.
About 63% of full-time employees in the UK earn less than £48,000 (estimated from ONS percentiles).
With a student loan
Student loan repayments come out of pay too. Monthly take-home in England, Wales and Northern Ireland:
| Loan repayment a month | Take-home pay | |
|---|---|---|
| Plan 1 | -£158 | £3,015 |
| Plan 2 | -£140 | £3,034 |
| Plan 4 (Scotland) | -£107 | £3,067 |
| Plan 5 | -£173 | £3,001 |
| Postgraduate loan | -£135 | £3,038 |
Jobs with a median salary near £48,000
Take-home pay by salary
Rates from GOV.UK: Rates and thresholds for employers 2026 to 2027.