On a £38,000 salary in Wales, take-home pay is £29,360/year (£2,446.63/month) after income tax (£4,706), NI (£2,034) and 5% pension (£1,900). Wales uses the same income tax rates as England. Wales had the UK's highest wage growth at +7.60% in 2025-26 (Adzuna April 2026).
| Annual | Monthly | Weekly | |
|---|---|---|---|
| Gross salary | £38,000 | £3,166.67 | £730.77 |
| Income Tax | −£4,706 | −£392.17 | −£90.50 |
| Nat. Insurance | −£2,034 | −£169.53 | −£39.12 |
| Pension (5%) | −£1,900 | −£158.33 | −£36.54 |
| Take-Home Pay | £29,360 | £2,446.63 | £564.61 |
Effective tax rate: 17.7% · Weekly net: £564.61 · Hourly (37.5hrs): £15.06
Wales had the highest wage growth of any UK region at +7.60% in 2025-26 (Adzuna UK Job Market Report April 2026). The Welsh median full-time salary is £33,400 — below the UK median of £39,039 but the gap is narrowing. Housing costs in Wales are significantly lower than England, particularly London and the South East.
Common questions about £38,000 salary take-home pay in Wales 2026-27.