£48,000 after tax UK (2026/27)
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.
| Item | Year | Month | Week | Day | Hour |
|---|---|---|---|---|---|
| Gross pay | £48,000.00 | £4,000.00 | £923.08 | £184.62 | £24.62 |
| Income Tax | -£7,086.00 | -£590.50 | -£136.27 | -£27.25 | -£3.63 |
| National Insurance | -£2,834.40 | -£236.20 | -£54.51 | -£10.90 | -£1.45 |
| Take-home pay | £38,079.60 | £3,173.30 | £732.30 | £146.46 | £19.53 |
Hourly figures assume 37.5 hours a week. Before tax, £48,000 is £24.62 an hour.
How your £48,000 take-home pay is worked out
- Personal Allowance (tax-free pay): £12,570.
- Pay that is taxed: £48,000 − £12,570 = £35,430.
- Basic rate: £35,430 × 20% = £7,086.00.
- National Insurance: £35,430 × 8% = £2,834.40.
- Take-home: £48,000 − £7,086.00 − £2,834.40 = £38,079.60.
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 £48,000
| Pay rise | New salary | Extra take-home a month | You keep |
|---|---|---|---|
| +£1,000 | £49,000 | +£60.00 | 72% |
| +£2,000 | £50,000 | +£120.00 | 72% |
| +5% | £50,400 | +£142.48 | 71% |
| +10% | £52,800 | +£258.48 | 65% |
£48,000 after tax: England vs Scotland
Scotland has its own six Income Tax bands. On £48,000 you take home £38,079.60 in England, Wales or NI, which is £1,056.05 a year more than Scotland (£37,023.55). National Insurance is the same everywhere. See £48,000 after tax in Scotland.
£48,000 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 | £1,675.35 | £139.61 | £3,033.69 |
| Plan 5 | £2,070.00 | £172.50 | £3,000.80 |
| Plan 1 | £1,899.00 | £158.25 | £3,015.05 |
| Plan 4 (Scotland) | £1,278.45 | £106.54 | £3,066.76 |
| Postgraduate Loan | £1,620.00 | £135.00 | £3,038.30 |
£48,000 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% | £1,440.00 | £1,036.80 | £3,086.90 |
| 5% | £2,400.00 | £1,728.00 | £3,029.30 |
| 8% | £3,840.00 | £2,764.80 | £2,942.90 |
| 10% | £4,800.00 | £3,456.00 | £2,885.30 |
Salaries close to £48,000
| Salary | Take-home a year | A month | Difference a month |
|---|---|---|---|
| £44,000 | £35,200 | £2,933 | −£240 |
| £45,000 | £35,920 | £2,993 | −£180 |
| £46,000 | £36,640 | £3,053 | −£120 |
| £47,000 | £37,360 | £3,113 | −£60 |
| £48,000 | £38,080 | £3,173 | – |
| £49,000 | £38,800 | £3,233 | +£60 |
| £50,000 | £39,520 | £3,293 | +£120 |
| £51,000 | £40,137 | £3,345 | +£171 |
| £52,000 | £40,717 | £3,393 | +£220 |
Add your own pension or student loan
Frequently asked questions
How much is £48,000 a month after tax in the UK?
How much is £48,000 a week after tax?
What tax band is £48,000 in?
Is £48,000 after tax different in Scotland?
If I get a pay rise from £48,000, how much do I keep?
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.