How tax on £12,000 is worked out
The first £12,570 is your tax-free Personal Allowance. You pay no income tax.
Total income tax: £0.00 a year (£0.00 a month).
National Insurance on £12,000
Your salary is below the £12,570 National Insurance threshold, so you pay none.
Total National Insurance: £0.00 a year.
£12,000 after tax in Scotland
Scottish taxpayers on £12,000 pay £0 income tax and take home £12,000 a year (£1,000 a month). That's £0 a year less than in England, Wales and Northern Ireland. National Insurance is the same everywhere in the UK.
How £12,000 compares
A £1,000 pay rise on £12,000 would add about £73.30 a month to your take-home pay (£880 a year), because 12p of each extra pound goes on tax and National Insurance.
| Salary | Take-home a year | Take-home a month |
|---|---|---|
| £11,000 | £11,000 | £917 |
| £13,000 | £12,880 | £1,073 |
| £17,000 | £15,760 | £1,313 |
| £22,000 | £19,360 | £1,613 |
These figures use the standard 1257L tax code and 2026/27 rates. Your payslip can differ slightly because payroll works out tax each pay period, and because of benefits in kind, overtime or a different tax code. For your exact situation use the take-home pay calculator, or convert pay with our hourly rate calculator and pro rata salary calculator.
Frequently asked questions
How much is £12,000 a month after tax?
On a £12,000 salary you take home about £1,000.00 a month in 2026/27 if you live in England, Wales or Northern Ireland, after income tax and National Insurance and before any pension or student loan deductions.
What tax band is a £12,000 salary?
A £12,000 salary is below the Personal Allowance in England, Wales and Northern Ireland. You pay £0 income tax a year, an effective rate of 0.0% of your gross pay.
How much is £12,000 a year per hour?
Based on a 37.5-hour week, £12,000 a year works out at £6.15 an hour before tax. After tax and National Insurance it's about £6.15 an hour.
How much is £12,000 after tax in Scotland?
In Scotland you take home £12,000 a year (£1,000 a month), which is £0 less than in the rest of the UK because Scotland has different income tax bands.
Last reviewed October 2026. Figures are estimates for guidance only.