After Tax Calculator
Where Your Money Goes
Full Breakdown: £82,000 Salary
| Deduction | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross Salary | £82,000.00 | £6,833.33 | £1,576.92 |
| Income Tax | £20,232.00 | £1,686.00 | £389.08 |
| National Insurance | £3,650.60 | £304.22 | £70.20 |
| Take-Home Pay | £58,117.40 | £4,843.12 | £1,117.64 |
Understanding Your £82,000 Salary After Tax
If you earn £82,000 per year in the UK, your employer will deduct £20,232.00 in income tax and £3,650.60 in National Insurance contributions during the 2025/26 tax year. This leaves you with a net take-home pay of £58,117.40 annually. Use our after tax calculator to adjust for pension and student loan deductions.
Understanding Your Tax Code
On a £82,000 salary, your PAYE tax code is likely 1257L. The "1257" represents your £12,570 Personal Allowance divided by 10, and "L" means you qualify for the standard allowance. If your tax code on your payslip doesn't match what you expect, contact HMRC — an incorrect code could mean you're over or underpaying tax throughout the year. Common causes of incorrect codes include untaxed benefits, estimated earnings from a second job, or outdated Marriage Allowance claims.
How Your £82,000 Is Taxed Band-by-Band
Your tax is split across bands: £37,700 taxed at 20% (= £7,540), and £31,730 taxed at 40% (= £12,692). In total, your combined income tax of £20,232 and National Insurance of £3,651 produce an effective deduction rate of 29.13%.
Student Loan Repayments at £82,000
If you have a student loan, repayments are deducted at 9% of earnings above your plan's threshold. On Plan 2 (post-2012 graduates), at £82,000 you'd repay £4,923/year (£410/month) above the £27,295 threshold. On Plan 1 (pre-2012), repayments would be £5,399/year above the £22,015 threshold. Plan 2 loans are written off after 30 years — if your salary stays around £82,000, calculate whether you'd clear the balance before then or whether repayments are effectively an additional tax.
Rent Affordability Across the UK
Financial guidelines suggest spending no more than 30% of your take-home pay on rent. On £4,843 per month, your recommended maximum rent is £1,453. This budget is achievable in South East (avg £1,200), Manchester (avg £950), Birmingham (avg £850), Leeds (avg £800), Newcastle (avg £650), Edinburgh (avg £1,050), Cardiff (avg £750). However, average rents in London (£1,750) exceed this threshold. Shared accommodation, commuting from suburbs, or employer housing support can bridge the gap in high-cost areas.
Mortgage Affordability on £82,000
UK mortgage lenders typically offer 4.5 times your gross salary as a maximum loan. On £82,000, that gives you borrowing power of approximately £369,000. With a 10% deposit of £36,900, you could purchase a property worth up to £405,900. At current interest rates (around 5.5%), monthly repayments on this mortgage would be roughly £1,691 — representing 35% of your £4,843 monthly take-home pay. Financial advisers generally recommend keeping mortgage payments below 28-33% of net income.
For comparison: someone earning £50,000 per year takes home £39,520, and someone earning £120,000 per year takes home £75,914.
Monthly & Weekly Take-Home
Your £82,000 salary breaks down to £4,843.12 per month, £1,117.64 per week, or £223.53 per working day. If you work a standard 37.5-hour week, that's approximately £27.94 per hour after tax.
Frequently Asked Questions
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