£48,000 after tax
A salary of £48,000 leaves you £38,079.60 a year after tax: £3,173.30 a month, in England, Wales and Northern Ireland for 2026/27. That is £7,086.00 income tax and £2,834.40 National Insurance, so you keep 79.3% of what you earn. The figure is before any student loan repayment or pension contribution.
How much take home pay is £48,000? Written as 48k, the form most people type, 48k after tax is £38,079.60 a year and 48k take home pay is £3,173.30 a month, so take home pay on £48,000 in the UK is that monthly figure after income tax and National Insurance. Is 48k a good salary? It sits at the 78th percentile of UK taxpayers, so 78% earn less and 22% earn more.
- Annual
- £38,080
- Monthly
- £3,173.30
- Weekly
- £732.30
- Daily (5-day week)
- £146.46
£48,000 is near the top of the basic rate and above every student loan threshold, so a borrower on any plan is repaying 9% of the pay above it. Everything above the £12,570 allowance is taxed at 20%, with National Insurance on top, and that stays true until £50,270, £2,270 away. The next thing that changes is the rate itself: £2,270 more and the part above £50,270 is taxed at 40%, while National Insurance falls from 8% to 2% at the same point. The next threshold is where higher-rate tax starts, at £50,270: £2,270 away.
Where the money goes
| Item | Annual | Monthly |
|---|---|---|
| Gross salary | £48,000.00 | £4,000.00 |
| Income tax | −£7,086.00 | −£590.50 |
| National Insurance | −£2,834.40 | −£236.20 |
| Take-home pay | £38,079.60 | £3,173.30 |
Income tax, band by band
| Basic rate (20%) | on £35,430.00 | £7,086.00 |
Personal allowance £12,570.00, so £35,430.00 is taxable.
Is £48,000 a good salary in the UK?
By HMRC's own income distribution (SPI 2023/24, the latest published), £48,000 puts you in roughly the top 22% of UK taxpayers, the median is £29,700, so this salary out-earns about 78% of everyone who pays income tax. As an hourly figure, £48,000 is £24.62 an hour at a 37.5-hour week, and £19.53 an hour after tax. Exact rank on the salary percentile calculator.
Which tax bands does £48,000 pass through?
- Tax free (personal allowance)
- £12,570
- Basic rate (taxed at 20%)
- £35,430 → £7,086 tax
Income tax £7,086, National Insurance £2,834, take-home £38,080, which is 79.3% of gross. The next pound is taxed at 28.0%.
Where £48,000 sits among UK taxpayers
Income at each percentile of UK taxpayers from HMRC's Survey of Personal Incomes. The median is £29,700, the 90th percentile £67,400 and the 99th £207,000. The vertical axis is logarithmic because the top of the distribution is many times the middle. A salary of £48,000 sits at about the 78th percentile.
Buying a home on £48,000? A lender will quote against the gross figure, but the repayments come out of the £3,173.30 a month above. The mortgage calculator shows what a given payment leaves of it, and the stamp duty on the price.
Jobs that pay about £48,000
Median full-time pay, ONS, Annual Survey of Hours and Earnings, Table 14.7a, 2025. Half of each profession earns more.
- Medical radiographers median £48,439
- Production and process engineers median £47,946
- Biochemists and biomedical scientists median £47,892
- Construction project managers and related professionals median £47,665
- Secondary education teaching professionals median £47,632
- Managers in transport and distribution median £47,504
What a £1,000 pay rise is worth
On £48,000, a £1,000 rise leaves you £720.00 better off after tax and National Insurance, you keep 72% of it. Your marginal rate is 28%.
£48,000 after tax with a student loan or pension
The headline figure assumes neither. These are the same salary with the most common additions, each computed on the 2026/27 rates:
| Scenario | Extra deduction | Take-home | Monthly |
|---|---|---|---|
| With a Plan 2 student loan | −£1,675.35 | £36,404.25 | £3,033.69 |
| With a Plan 5 student loan | −£2,070.00 | £36,009.60 | £3,000.80 |
| With a 5% salary-sacrifice pension | −£2,400.00 | £36,351.60 | £3,029.30 |
| Plan 2 loan and 5% pension together | −£3,859.35 | £34,892.25 | £2,907.69 |
Loan repayments apply only above each plan's threshold, so a £0 deduction means this salary is below it. Pension money is deferred pay, not lost: the 5% row's take-home excludes £2,400.00 going into the pension. Your own combination, with any plan and all three pension arrangements: run it on the calculator.
If you live in Scotland
Scotland sets its own income tax bands. On £48,000 a Scottish taxpayer takes home £37,023.55, which is £1,056.05 less than in England. National Insurance is the same everywhere because it was never devolved.
Add pension and student loan →
The calculator handles all five student loan plans and the three pension arrangements.
What rent does £48,000 support?
A letting agent referencing on 30× gross would accept rent up to £1,600 a month. Out of the £3,173.30 that arrives, 30% is £952, which is the figure a budget can live on. The gap between the two is £648 a month. Both are conventions rather than rules; the rent affordability calculator shows them side by side with a partner's income added.
Questions people ask about £48,000
What tax band is £48,000 in?
The basic rate. Income above £12,570 is taxed at 20% up to £50,270, and £48,000 is £2,270 below that.
How much can I earn before higher-rate tax?
£2,270 more. Higher-rate tax starts at £50,270 in England, Wales and Northern Ireland for 2026/27.
Is £48,000 above the UK median salary?
Yes. £48,000 out-earns about 78% of UK taxpayers by HMRC's income distribution.
2026/27 HMRC rates, checked 28 August 2026 by Hadi. Assumes the standard 1257L tax code, no pension and no student loan.