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What do you actually take home?

Enter your salary — see tax, NI, pension and student loan at a glance

✓2026/27 HMRC rates✓No sign up✓Free

Your details

£
0%
0%60%

The standard code for most UK employees. You receive the full £12,570 personal allowance tax-free.

Only relevant if you or your partner earns over £60,000 and claims Child Benefit

Your breakdown

Take-home pay

£25,840

/yr

Effective rate16.6%
Marginal rate28%
Tax bandBasic rate
Take-homeIncome TaxNI
Gross salary
£31,000
Income TaxBasic rate
−£3,686
National Insurance
−£1,474
Take-home
£25,840
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In plain English

On a £31,000 gross salary in England & Wales, you're in the Basic rate band (20% income tax). After paying £3,686 in income tax and £1,474 in National Insurance, you take home £25,840 per year — that's £2,153 a month or £497 a week. Your effective overall deduction rate is 16.6%. Every extra pound you earn above this is taxed at 28p in the pound.

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£31,000 salary after tax — 2026/27 breakdown

Annual take-home

£25,840

Monthly take-home

£2,153

Weekly take-home

£497

Tax band

Basic rate

Deductions at a glance

Gross salary£31,000
Income Tax (20%)-£3,686
National Insurance (8%)-£1,474
Take-home pay£25,840

Passing the £30,000 mark is a milestone for many UK workers, and a £31,000 salary puts you just above it. It is a typical wage for qualified nurses on NHS band 5 to 6, experienced project coordinators, skilled engineers entering their mid-career and second or third-year accountancy trainees.

Income tax of £3,686 and National Insurance of £1,474 reduce your gross to a take-home of £25,840 per year, or £2,153 per month and £497 per week. An effective tax rate of 16.6 per cent means you retain over 83p of every pound earned.

At £31,000 you have substantial room before reaching the £50,270 higher rate threshold. Every pay rise up to that point is taxed at the same combined 28 per cent (income tax plus NI), making salary sacrifice an efficient and consistent strategy for reducing your bill as your earnings grow.

Frequently asked questions

How much is £31,000 a year after tax?

On a £31,000 salary in England and Wales for 2026/27, your take-home pay is £25,840 per year. That is £2,153 per month or £497 per week, using the standard 1257L tax code with no pension contributions and no student loan.

How much income tax do I pay on £31,000?

At £31,000 your income tax bill for 2026/27 is £3,686. The personal allowance of £12,570 means only £18,430 of your salary is taxable, all at the basic rate of 20 per cent. Income tax represents 11.9 per cent of your gross salary.

How much National Insurance do I pay on £31,000?

Your National Insurance at £31,000 is £1,474 per year. NI is charged at 8 per cent on earnings between the primary threshold (£12,570) and the upper earnings limit (£50,270), so £18,430 of your salary attracts the 8 per cent rate. Combined with income tax, your total statutory deductions are £5,160.

Is £31,000 a good salary in the UK?

A £31,000 salary is just above the £30,000 psychological benchmark and roughly 11 per cent below the UK median full-time wage. It is a common salary for qualified nurses and allied health professionals on NHS band 5 to 6, experienced project coordinators, software testers and junior engineers. At £2,153 per month after tax, you are likely to find housing costs manageable in most regions outside London, and should have some capacity to save if living costs are kept in check.

How can I increase my take-home pay on £31,000?

At £31,000 you are well within the basic rate band, with significant room before any higher rate liability. The most impactful action is maximising salary sacrifice pension contributions, where every pound saved costs you just 72p in take-home. If you are aiming to buy a home, contributing to a Lifetime ISA (if you are under 40) gives a 25 per cent government bonus on savings up to £4,000 per year, boosting your deposit by up to £1,000 annually. It is also worth confirming you are on the correct tax code, particularly if you have changed jobs, had a company car or received any taxable benefits in the last year, as these can leave an incorrect code that persists for months.