Where the money goes
| Gross salary | £16,000 |
|---|---|
| Income tax | −£686 |
| National Insurance | −£274 |
| Take-home pay | £15,040 |
Rest-of-UK tax rules, 2026/27 rates, 40h/week over 52 weeks, no pension or student loan. Adjust these in the calculator →
Live in Scotland? See £16,000 under Scottish tax rules →
Income tax band breakdown
| Band | Rate | On | Tax |
|---|---|---|---|
| Personal allowance | 0% | £12,570 | £0 |
| Basic rate | 20% | £3,430 | £686 |
You are in the basic rate (20%) band.
How £16,000 compares
By gross pay this salary sits at about the 10th percentile or below of full-time employees, and the 17th percentile of all employees (ONS ASHE via Nomis).
It is about 39% below the same-hours minimum-wage floor of £26,437 (£12.71/hr).