£18,000 Internship Salary After Tax 2025-26
Take-home pay with and without Plan 2 student loan repayments.
Below Plan 2 threshold — £0 student loan repayment
Plan 2 repayments only begin on earnings above £27,295. At £18,000, no student loan is deducted.
£18,000 internship — without vs with Plan 2 student loan
| Item | Without student loan | With Plan 2 |
|---|---|---|
| Gross salary | £18,000 | £18,000 |
| Income Tax | −£1,086 | −£1,086 |
| National Insurance | −£434 | −£434 |
| Student Loan (Plan 2) | — | −£0 |
| Annual take-home | £16,480 | £16,480 |
| Monthly take-home | £1,373 | £1,373 |
Plan 2 student loan during your internship
Student loan repayments are collected automatically through PAYE — they apply whether you are on a permanent contract, internship, or placement. If your internship is shorter than a full year, your actual repayment will be proportionally lower.
Frequently asked questions
Do interns pay Income Tax on a £18,000 salary?
Yes. At £18,000/year, your earnings exceed the £12,570 Personal Allowance. You pay Income Tax of £1,086 at 20% on earnings above £12,570. Tax is deducted automatically through PAYE by your employer.
Do interns pay National Insurance?
Yes. National Insurance applies to all employees on earnings above £12,570/year (£242/week), regardless of whether you are on an internship, a permanent contract, or a temporary placement. On £18,000/year, you pay £434 in NI at 8%.
Do I repay student loan during an internship on £18,000?
No. Your internship salary of £18,000 is below the Plan 2 repayment threshold of £27,295. No student loan is deducted. Repayments only start once your earnings exceed the threshold.
What is the take-home for a £18,000 internship after tax?
On a £18,000 internship salary, you take home £16,480/year (£1,373/month, £317/week) without student loan. After Income Tax of £1,086 and NI of £434, your effective tax rate is 8.44%.