How much take-home pay do you get on a £31k salary?

On a £31k (£31,000) salary in England for 2025/26, your take-home pay is approximately £24,724 per year (£2,060/month). This is after income tax (£3,376), employee National Insurance (£1,350), and a 5% salary sacrifice pension contribution (£1,550).

What is the effective tax rate on £31k?

The effective (average) tax rate on a £31k salary is approximately 15.2%, including income tax and National Insurance. The marginal rate is 28%.

How much income tax do you pay on £31k?

For 2025/26 in England, a £31k salary attracts income tax of approximately £3,376. The first £12,570 is tax-free, income up to £50,270 is taxed at 20%, and income above that is taxed at 40%.

How much do you take home per month on £31k?

On a £31,000 salary in England for 2025/26, your monthly take-home pay is approximately £2,060. This assumes a 5% salary sacrifice pension and no student loan repayments.

What is £31k salary after tax in Scotland?

On a £31,000 salary, Scottish taxpayers take home £24,732 per year in 2025/26 — that's £9 more than in England (£24,724).

How much does it cost an employer to pay a £31k salary?

The total cost of a £31,000 employee to an employer in 2025/26 is approximately £35,830 per year, including employer NI of £3,900 and employer pension of £930.

What is the marginal tax rate on £31k?

At £31,000, your marginal rate is 28% (income tax + National Insurance).

£31,000 After Tax UK — Take-Home £2,060/mo for 2025/26

Take-home

£24,724

£2,060/mo · £475/wk

Income tax

£3,376

15.2% effective rate

National Insurance

£1,350

Employee NI

Pension (5%)

£1,550

Salary sacrifice

Figures assume England tax rates, 5% salary sacrifice pension, no student loan. Use the calculator below to adjust for your exact situation.

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Your annual salary (before tax)

£/yr

top 52% of UK earners · ONS 2024

What if

Work arrangement

Residency

Pension contribution · 5%

Compare tax years

Monthly take-home

£2,060/mo

£24,724/yr · 15.2% effective rate

Marginal rate

28%

Basic rate

UK salary ranking

top 52% of UK earners

Below UK median

−£3,963 (-11%)

£0£35k (Median)£100k£150k

Percentile

48th

Keep rate

80%

Marginal

28%

Total employer cost

£35,830/yr

Employer NI

£3,900

Employer pension

£930

Daily

£107

÷ 232 working days

Weekly

£533

÷ 46 working weeks

Annual

£24,724

take-home

Take-home over time

With your current salary under each year's HMRC rules (PAYE, England)

Estimates only · HMRC 2025/26 · Not financial advice

Monthly take-home

£2,060/mo

Keep

80%

Frequently asked questions

£31k salary breakdown 2025/26

The following table shows the annual, monthly, and weekly breakdown for a £31,000 salary in England for the 2025/26 tax year, assuming 5% salary sacrifice pension and no student loan.

Take-home pay breakdown for £31k salary 2025/26
	Annual	Monthly	Weekly
Gross salary	£31,000	£2,583	£596
Income tax	−£3,376	−£281	−£65
National Insurance	−£1,350	−£113	−£26
Pension (5%)	−£1,550	−£129	−£30
Take-home pay	£24,724	£2,060	£475

About your £31k take-home pay

On a £31,000 gross salary in England for 2025/26, your take-home pay is £24,724 per year (£2,060/month · £475/week) after income tax of £3,376, National Insurance of £1,350, and a 5% salary sacrifice pension contribution of £1,550. The effective tax rate (income tax + NI as a percentage of gross) is 15.2%.

Your salary falls within the basic rate tax band. The first £12,570 of your salary is tax-free (your personal allowance). Earnings between £12,570 and £50,270 are taxed at 20% (basic rate).

Monthly and weekly take-home on £31k

Your £24,724 annual take-home breaks down to £2,060 per month and £475 per week. These figures assume a 5% salary sacrifice pension and no student loan. Use the calculator above to adjust for your exact circumstances.

Is £31k a good salary in the UK?

A £31,000 salary places you in the top 52% of UK earners according to ONS earnings data, at roughly the 48th percentile. It is below the UK median salary of £34,963 (ONS 2024). Whether it feels comfortable depends heavily on where you live — London living costs are significantly higher than other UK regions.

Scotland vs England: £31k salary comparison

Scottish taxpayers take home £24,732/yr (£2,061/mo) on a £31,000 salary — that is £9 more than in England (£24,724/yr).

Scotland vs England take-home comparison for £31k salary
Region	Annual take-home	Monthly take-home
England	£24,724	£2,060
Scotland	£24,732	£2,061
Difference	+£9	+£1

What does a £31k salary cost an employer?

Gross salary£31,000

Employer NI (15% above £5k)£3,900

Employer pension (3%)£930

Total employer cost£35,830

Related tax calculators

Scotland Tax Calculator Contractor vs PAYE Calculator Bonus Tax Calculator

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Updated for the 2025/26 tax year (6 April 2025 – 5 April 2026) using HMRC rates. Last reviewed April 2026.