£30,000 Salary Take-Home Pay in 2025/26
Complete breakdown of what you'll actually receive from a £30k salary after income tax and National Insurance
Quick Summary: £30,000 Salary
Annual Take-Home
£25,120
Monthly Take-Home
£2,093
Weekly Take-Home
£483
If you're earning £30,000 a year in the UK, you're earning slightly above the national median salary. But how much of that actually ends up in your bank account?
After income tax and National Insurance, you'll take home approximately £25,120 per year, or £2,093 per month. That means you're keeping about 83.7% of your gross salary.
Full Tax Breakdown for £30,000
| Description | Annual | Monthly |
|---|---|---|
| Gross Salary | £30,000 | £2,500 |
| Personal Allowance | £12,570 | £1,048 |
| Taxable Income | £17,430 | £1,453 |
| Income Tax (20%) | -£3,486 | -£291 |
| National Insurance (8%) | -£1,394 | -£116 |
| Take-Home Pay | £25,120 | £2,093 |
How Your Tax is Calculated
Step 1: Personal Allowance
The first £12,570 of your income is tax-free. This is your Personal Allowance for 2025/26.
Step 2: Income Tax
Everything above your Personal Allowance is taxed at 20% (the basic rate).
£30,000 - £12,570 = £17,430 taxable
£17,430 × 20% = £3,486 income tax
Step 3: National Insurance
You pay 8% National Insurance on earnings between £12,570 and £50,270.
£17,430 × 8% = £1,394 National Insurance
Which Tax Band Are You In?
At £30,000, you're a basic rate taxpayer. Your entire taxable income falls within the 20% tax band.
Good news: You're well below the higher rate threshold of £50,270. You'd need a pay rise of over £20,000 before any of your income gets taxed at 40%.
£30k with Student Loan
If you have a student loan, your take-home pay will be lower. Here's how much you'd repay on each plan:
Plan 1 (Pre-2012)
Threshold: £26,065
Annual repayment: £354
Take-home: £24,766/year
Plan 2 (Post-2012)
Threshold: £28,470
Annual repayment: £138
Take-home: £24,982/year
Plan 4 (Scotland)
Threshold: £31,395
Annual repayment: £0
Take-home: £25,120/year
Plan 5 (Post-2023)
Threshold: £25,000
Annual repayment: £450
Take-home: £24,670/year
How Does £30k Compare?
At £30,000, you're earning:
- • About the UK median salary (around £29,000)
- • More than 50% of UK workers
- • An effective tax rate of just 16.3%
Salary Comparisons
£25,000 take-home:
£21,330/year
£35,000 take-home:
£28,910/year
Tips to Maximise Your Take-Home Pay
Check your tax code
Make sure you're on 1257L. A wrong tax code could mean you're overpaying.
Salary sacrifice schemes
Cycle to work, electric car schemes, or extra pension contributions can reduce your tax bill.
Marriage Allowance
If your partner earns under £12,570, they can transfer £1,260 of their allowance to you, saving up to £252 per year.
Calculate Your Exact Take-Home Pay
Get a personalised breakdown including pension, student loans, and more.
Try Take Home Pay Calculator →