£20,000 salary after tax in the UK
On £20,000 a year you take home £17,919.60, or £1,493.30 a month, after income tax and National Insurance (6 April 2026 to 5 April 2027).
Take-home pay (England, Wales, NI)
£17,920
per year, you keep 89.6%
Where your £20,000 goes
- Take-home£17,92089.6%
- Income tax£1,4867.4%
- National Insurance£5943.0%
Breakdown for £20,000
| Item | Yearly | Monthly | Weekly |
|---|---|---|---|
| Gross salary | £20,000.00 | £1,666.67 | £384.62 |
| Income tax | -£1,486.00 | -£123.83 | -£28.58 |
| National Insurance | -£594.40 | -£49.53 | -£11.43 |
| Take-home pay | £17,919.60 | £1,493.30 | £344.61 |
Tax bands applied
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| Basic rate | 20% | £7,430.00 | £1,486.00 |
Personal allowance: £12,570. Your next £1,000 of salary adds £720 to take-home pay.
How your situation changes it
| Scenario | Yearly | Monthly |
|---|---|---|
| England, Wales, NI | £17,919.60 | £1,493.30 |
| Scotland | £17,959.27 | £1,496.61 |
| Plan 2 student loan | £17,919.60 | £1,493.30 |
| 5% salary-sacrifice pension | £17,199.60 | £1,433.30 |
| 2025/26 rates | £17,919.60 | £1,493.30 |
The pension row shows pay after your £1,000 contribution; that money goes into your pot.
Make it your own
Add your tax code, pension, student loan, bonus or overtime and see everything update live.
Your take-home pay · per month
£17,920 a year from £20,000 gross, you keep 89.6%
Questions about £20,000
How much is £20,000 a year after tax? +
£17,919.60 a year in England, Wales and Northern Ireland, which is £1,493.30 a month or £344.61 a week (2026/27).
How much tax do I pay on £20,000? +
Income tax is £1,486.00 and National Insurance is £594.40. Your effective tax rate is 10.4% and your marginal rate is 28%.
What is £20,000 after tax in Scotland? +
£17,959.27 a year (£1,496.61 a month), because Scottish income tax bands differ. That is £40 more than in England.
What if I have a Plan 2 student loan? +
Take-home falls to £17,919.60 a year after £0.00 of repayments.
What is £20,000 per hour? +
Over a 37.5-hour week, £20,000 is £10.26 gross per hour, or £9.19 after tax.
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Calculated for 2026/27 (6 April 2026 to 5 April 2027) assuming a standard tax code, National Insurance category A and no other income. Not tax advice.