£31,000 after tax UK (2026/27)

On a £31,000 salary in the UK you take home £25,839.60 a year. That is £2,153.30 a month in 2026/27. You pay £3,686.00 Income Tax and £1,474.40 National Insurance (England, Wales and Northern Ireland, no pension or student loan).

How to read this table: each column is one pay period. Red numbers are taken out of your pay. The last row is what you actually get.

£31,000 salary in the UK, 2026/27
Item	Year	Month	Week	Day	Hour
Gross pay	£31,000.00	£2,583.33	£596.15	£119.23	£15.90
Income Tax	-£3,686.00	-£307.17	-£70.88	-£14.18	-£1.89
National Insurance	-£1,474.40	-£122.87	-£28.35	-£5.67	-£0.76
Take-home pay	£25,839.60	£2,153.30	£496.92	£99.38	£13.25

Hourly figures assume 37.5 hours a week. Before tax, £31,000 is £15.90 an hour.

How your £31,000 take-home pay is worked out

Personal Allowance (tax-free pay): £12,570.
Pay that is taxed: £31,000 − £12,570 = £18,430.
Basic rate: £18,430 × 20% = £3,686.00.
National Insurance: £18,430 × 8% = £1,474.40.
Take-home: £31,000 − £3,686.00 − £1,474.40 = £25,839.60.

All of your taxable income falls in the 20% basic rate band.

Pay rise tip: from every extra £100 you earn at this level, you keep about £72.

What a pay rise is worth on £31,000

Pay rise	New salary	Extra take-home a month	You keep
+£1,000	£32,000	+£60.00	72%
+£2,000	£33,000	+£120.00	72%
+5%	£32,550	+£93.00	72%
+10%	£34,100	+£186.00	72%

£31,000 after tax: England vs Scotland

Scotland has its own six Income Tax bands. On £31,000 you take home £25,839.60 in England, Wales or NI, which is £24.93 a year less than Scotland (£25,864.53). National Insurance is the same everywhere. See £31,000 after tax in Scotland.

£31,000 with a student loan

Student loan repayments come out of your pay with your tax. Find your plan below:

Plan	Paid a year	Paid a month	Take-home a month
Plan 2	£145.35	£12.11	£2,141.19
Plan 5	£540.00	£45.00	£2,108.30
Plan 1	£369.00	£30.75	£2,122.55
Plan 4 (Scotland)	£0.00	£0.00	£2,153.30
Postgraduate Loan	£600.00	£50.00	£2,103.30

£31,000 with a pension

Pension payments come out before tax, so your take-home pay drops by less than the amount you put in. Figures are for salary sacrifice.

You pay in	Into pension a year	Cost to take-home a year	Take-home a month
3%	£930.00	£669.60	£2,097.50
5%	£1,550.00	£1,116.00	£2,060.30
8%	£2,480.00	£1,785.60	£2,004.50
10%	£3,100.00	£2,232.00	£1,967.30

Salaries close to £31,000

Salary	Take-home a year	A month	Difference a month
£27,000	£22,960	£1,913	−£240
£28,000	£23,680	£1,973	−£180
£29,000	£24,400	£2,033	−£120
£30,000	£25,120	£2,093	−£60
£31,000	£25,840	£2,153	–
£32,000	£26,560	£2,213	+£60
£33,000	£27,280	£2,273	+£120
£34,000	£28,000	£2,333	+£180
£35,000	£28,720	£2,393	+£240

Add your own pension or student loan

Frequently asked questions

How much is £31,000 a month after tax in the UK?

£2,153.30 a month in 2026/27, with no student loan or pension and a standard tax code. Before tax, £31,000 is £2,583.33 a month.

How much is £31,000 a week after tax?

£496.92 a week, or £99.38 a day for a five-day week.

What tax band is £31,000 in?

The highest band you reach is the basic rate (England, Wales and NI). In total, Income Tax and NI take 16.6% of your pay.

Is £31,000 after tax different in Scotland?

Scotland has its own Income Tax rates. Here you take home £25,839.60 a year, which is £24.93 a year less than Scotland (£25,864.53).

If I get a pay rise from £31,000, how much do I keep?

About £72 of every extra £100, after Income Tax and National Insurance.

Where our numbers come from

GOV.UK – Income Tax rates and allowances
GOV.UK – Rates and thresholds for employers 2026 to 2027
GOV.UK – National Minimum Wage and National Living Wage rates

Rates checked against official sources on 2026-09-28. Contains public sector information licensed under the Open Government Licence v3.0.