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£31,000 a year after tax

For the 2026/27 tax year (6 April 2026 to 5 April 2027), in England, Wales and Northern Ireland.

You take home

£2,153 a month£25,840 a year after income tax and National Insurance.

Each week£497

Each hour (37.5-hour week)£13.25

Where your £31,000 goes each year

Take-home pay £25,840 83%
Income tax £3,686 12%
National Insurance £1,474 5%

£31,000 after tax: the breakdown

	A year	A month
Pay before tax	£31,000	£2,583
Income tax	−£3,686	−£307
National Insurance	−£1,474	−£123
Take-home pay	£25,840	£2,153

You’re a basic-rate taxpayer. Income tax is 20% of your pay above the £12,570 personal allowance, and National Insurance is 8%.
Of each extra £100 you earn, you keep about £72.

With a pension or student loan

	A month	A year
No pension or student loan	£2,153	£25,840
With a 5% workplace pension	£2,050	£24,600
With a Plan 2 student loan	£2,141	£25,694
With both	£2,038	£24,454

A 5% pension is paid before tax, so it costs you less than 5% of your take-home pay. Plan 2 student loan repayments are 9% of your pay over £29,385.

Work out your own take-home pay Pay rise to £36,000? See what you’d keep

Other salaries

£26,000 £27,000 £28,000 £29,000 £30,000 £32,000 £33,000 £34,000

← £30,000 £32,000 →

Questions

How much is £31,000 a year after tax per month?

£31,000 a year is about £2,153 a month after income tax and National Insurance in 2026/27, in England, Wales and Northern Ireland, with no pension or student loan.

How much is £31,000 a year per week after tax?

About £497 a week, or £13.25 an hour for a 37.5-hour week.

How much tax do I pay on £31,000?

About £3,686 income tax and £1,474 National Insurance a year, 16.6% of your pay in total.

Figures assume your tax code is 1257L and no other income, benefits or bonuses. Scotland has different income tax rates. A guide, not financial advice.

Last checked against GOV.UK: 9 October 2026