£31,000 after tax
On a £31,000 salary you take home £25,840 a year, or £2,153.30 a month, after income tax and National Insurance.
- Per year
- £25,840
- Per month
- £2,153.30
- Per week
- £496.92
- Per day (260 days)
- £99.38
- Per hour (37.5h week)
- £13.25
£31,000 salary breakdown
| Item | Per year | Per month | Per week |
|---|---|---|---|
| Gross salary | £31,000 | £2,583.33 | £596.15 |
| Income tax | −£3,686 | −£307.17 | −£70.88 |
| National Insurance | −£1,474 | −£122.87 | −£28.35 |
| Take-home pay | £25,840 | £2,153.30 | £496.92 |
What a £31,000 salary means for tax
- You are a basic-rate taxpayer. The first £12,570 is tax-free and the rest is taxed at 20%.
- Total deductions are £5,160, or 16.7% of your gross pay.
- Of a £1,000 pay rise you would keep about £720. Tax and NI take 28% of each extra pound.
Check your own figures
The calculator is set to £31,000. Change the region or add a pension contribution to see your exact take-home pay.
| Item | Per year | Per month | Per week |
|---|
How we worked this out
2026/27 rates, last checked 29 October 2026. Tax code 1257L, NI category A, no student loan.
£31,000 after tax in Scotland
| Rest of UK | Scotland | |
|---|---|---|
| Income tax | £3,686.00 | £3,661.07 |
| National Insurance | £1,474.40 | £1,474.40 |
| Take-home per year | £25,840 | £25,865 |
| Take-home per month | £2,153.30 | £2,155.38 |
A Scottish taxpayer on £31,000 takes home £25 more a year, thanks to the 19% starter band. National Insurance is the same across the UK.
With a 5% pension contribution
Paying 5% (£1,550 a year) into a pension by salary sacrifice cuts take-home pay to £24,724, only £1,116 less, because the contribution comes out before tax and National Insurance. Each £1 in your pension costs about 72p of take-home pay. Many employers add more on top, so see the salary sacrifice calculator.
£31,000 after tax with a student loan
| Loan | Repayment per year | Per month | Take-home per month |
|---|---|---|---|
| Plan 1 | £369 | £30.75 | £2,122.55 |
| Plan 2 | £145 | £12.11 | £2,141.19 |
| Plan 4 (Scotland) | £0 | £0.00 | £2,153.30 |
| Plan 5 | £540 | £45.00 | £2,108.30 |
| Postgraduate Loan | £600 | £50.00 | £2,103.30 |
Repayments are 9% of pay above the plan threshold (6% for a Postgraduate Loan), deducted alongside tax and National Insurance. Take-home figures use rest-of-UK income tax. Use the student loan repayment calculator if you have two loans.
Salaries near £31,000
| Salary | Take-home per year | Per month | Difference |
|---|---|---|---|
| £28,000 | £23,680 | £1,973.30 | −£2,160 |
| £29,000 | £24,400 | £2,033.30 | −£1,440 |
| £30,000 | £25,120 | £2,093.30 | −£720 |
| £31,000 | £25,840 | £2,153.30 | – |
| £32,000 | £26,560 | £2,213.30 | +£720 |
| £33,000 | £27,280 | £2,273.30 | +£1,440 |
| £34,000 | £28,000 | £2,333.30 | +£2,160 |
Assumptions
Tax code 1257L, National Insurance category A, paid monthly through PAYE, with no pension, student loan, benefits in kind or other income unless stated. Figures for Scotland use the Scottish income tax bands. See how UK income tax and NI work for the rates.
Frequently asked questions
How much is £31,000 a year after tax per month?
About £2,153 a month, or £497 a week, in England, Wales or Northern Ireland in 2026/27. That is £25,840 a year after £5,160 of income tax and National Insurance.
What tax band is a £31,000 salary in?
Basic-rate taxpayer: income above the £12,570 personal allowance is taxed at 20%.
How much of a £1,000 pay rise do I keep on £31,000?
About £720. Income tax and National Insurance take 28% of each extra pound at this salary.
Is take-home pay on £31,000 different in Scotland?
Yes. Scottish income tax bands give take-home pay of £25,865 a year, £25 more than the £25,840 in the rest of the UK.