£31,000 after tax in the UK (2026/27)
On a £31,000 salary you take home £25,842 a year: £2,153.49 a month or £496.96 a week. You pay £3,684.20 income tax and £1,473.96 National Insurance.
England, Wales and Northern Ireland, tax code 1257L, paid monthly, no student loan or pension. Change anything below.
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Your take-home pay
£2,153.49/ month
£25,842 a year from £31,000 · average rate 16.6% · next £1,000 keeps £720
Breakdown
| Year | Month | 4 weeks | Week | Day | Hour | |
|---|---|---|---|---|---|---|
| Gross pay | £31,000 | £2,583.33 | £2,384.62 | £596.15 | £119.23 | £15.90 |
| Income taxBasic rate 20%: £3,684.20 | −£3,684 | −£307.02 | −£283.40 | −£70.85 | −£14.17 | −£1.89 |
| National Insurance8% of pay between £1,048 and £4,189 per month, 2% above | −£1,474 | −£122.83 | −£113.38 | −£28.35 | −£5.67 | −£0.76 |
| Take-home pay | £25,842 | £2,153.49 | £1,987.83 | £496.96 | £99.39 | £13.25 |
| Employer National Insurance (not from your pay)15% of pay over £417 per period | £3,899 | £324.95 | £299.95 | £74.99 | £15.00 | £2.00 |
Rates checked 19 October 2026 against HMRC for the 2026/27 tax year (6 April 2026 – 5 April 2027). How we calculate · Sources · Accuracy tests · Report an error
Estimate for information only, based on United Kingdom 2026/27 rates. Not tax or financial advice. Your payslip may differ (for example tax code, benefits or other deductions).
Where £31,000 sits in the tax system
All of your taxable income (£18,430) falls in the 20% basic-rate band. You would reach the 40% higher rate at £50,270, £19,270 above this salary.
National Insurance is 8% of your pay above £12,570 a year (worked out monthly against £1,048).
Of the next £1,000 you earn, you keep £720 (a combined marginal rate of 28.0%).
Is £31,000 a good salary?
It depends on where you live and your costs, but here is how it compares with official figures. The median gross annual earnings for full-time employees was £39,039 in April 2025, so £31,000 is £8,039 (21%) below it. Half of full-time employees earn more than the median and half earn less.
Source: ONS Annual Survey of Hours and Earnings 2025 (provisional).
What a pay rise is worth
| Rise | New salary | Extra take-home a year | A month |
|---|---|---|---|
| £1,000 raise | £32,000 | £720.08 | £60.01 |
| 5% raise | £32,550 | £1,116.04 | £93.00 |
| 10% raise | £34,100 | £2,232.08 | £186.01 |
£31,000 with a student loan, pension or in Scotland
| Situation | Take-home a year | A month | Difference a year |
|---|---|---|---|
| Standard (England) | £25,841.84 | £2,153.49 | – |
| Scotland | £25,866.86 | £2,155.57 | £25.02 |
| Plan 1 student loan | £25,481.84 | £2,123.49 | −£360.00 |
| Plan 2 student loan | £25,697.84 | £2,141.49 | −£144.00 |
| Plan 5 student loan | £25,301.84 | £2,108.49 | −£540.00 |
| Postgraduate Loan | £25,241.84 | £2,103.49 | −£600.00 |
| 5% pension, salary sacrifice | £24,725.92 | £2,060.49 | −£1,115.92 |
| 5% pension, relief at source | £24,601.84 | £2,050.15 | −£1,240.00 |
Student loan thresholds for 2026/27: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, Postgraduate £21,000. Pension figures assume 5% of your whole salary. Student loans explained.
Questions about £31,000
How much is £31,000 a month after tax?
£2,153.49 a month in England, Wales or Northern Ireland in 2026/27, with tax code 1257L, no student loan and no pension contribution. In Scotland it is £2,155.57 a month.
How much tax do you pay on £31,000?
£3,684.20 income tax and £1,473.96 National Insurance a year, £5,158.16 in total. That is 16.6% of your salary.
What is £31,000 a year per hour?
£15.90 an hour before tax and £13.25 after tax, based on 37.5 hours a week for 52 weeks.
£31,000 in other countries
At the ECB reference rate for 16 October 2026, £31,000 is worth $59,406 in Australia, where you would keep $49,985 a year (about £26,084); $72,988 in New Zealand, where you would keep $57,594 a year (about £24,462); €36,736 in Ireland, where you would keep €31,197 a year (about £26,326); $58,539 in Canada, where you would keep $46,366 a year (about £24,553). This compares tax only, not living costs. Compare countries.
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All UK salaries after tax · UK tax bands 2026/27 · National Insurance