What is £38,000 After Tax in the UK?

For the 2025/2026 tax year in the United Kingdom.

For the 2025/2026 tax year, £38,000 after tax works out to be £29,188.10 (or £29,082.03 in Scotland).

Below we cover all deductions that make up your salary after tax for 2025/2026.

Salary Summary

Gross Salary£38,000
Total Deductions£8,811.90
Income Tax£5,086.00
National Insurance£3,725.90
Net Salary£29,188.10

£38,000 in England, Wales, and Northern Ireland

If you live in England, Wales, or Northern Ireland, you pay the same income tax rates.

YearlyMonthly
Gross Income£38,000.00£3,166.67
Income Tax£5,086.00£423.83
National Insurance£3,725.90£310.49
Total Deductions£8,811.90£734.32
Net Income£29,188.10£2,432.34

£38,000 in Scotland

Scotland has different income tax bands since April 2017. Here's what £38,000 looks like for Scottish residents:

YearlyMonthly
Gross Income£38,000.00£3,166.67
Income Tax£5,192.07£432.67
National Insurance£3,725.90£310.49
Total Deductions£8,917.97£743.16
Net Income£29,082.03£2,423.50

For 2025/2026, residents in England, Wales, and Northern Ireland have a higher take-home salary (£29,188.10) than Scottish residents (£29,082.03).

Tax Rates for 2025/2026

England, Wales, and Northern Ireland

BandTaxable IncomeTax Rate
Personal AllowanceUp to £12,5700%
Basic Rate£12,571 to £50,27020%
Higher Rate£50,272 to £150,00040%
Additional Rateover £150,00045%

Scotland

BandTaxable IncomeTax Rate
Personal AllowanceUp to £12,5700%
Starter Rate£12,571 to £14,66719%
Basic Rate£14,668 to £25,29620%
Intermediate Rate£25,297 to £43,66221%
Higher Rate£43,663 to £150,00041%
Top Rateover £150,00046%

National Insurance Rates

BandTaxable Income (Weekly)NI Rate
Primary£190 to £96713.25%
UpperOver £9673.25%

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