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TAKE-HOME PAY · 2026/27

£20,000 after tax

On a £20,000 salary you take home £17,919.60 a year, which is £1,493.30 a month or £344.61 a week, in England, Wales or Northern Ireland. In Scotland it's £17,959.27 a year, £39.67 more. That's before any pension or student loan, which are below.

England, Wales or Northern Ireland

Of a £100 pay rise, you'd keep £72.

£20,000 after tax in England, Wales or Northern Ireland
ItemYearMonthWeek
Pay£20,000£1,666.67£384.62
Income tax−£1,486−£123.83−£28.58
National Insurance−£594.40−£49.53−£11.43
Take-home£17,919.60£1,493.30£344.61
  1. Pay: £20,000 a year
  2. The Personal Allowance gives £12,570 tax-free
  3. Taxable pay: £20,000 − £12,570 = £7,430
  4. Basic rate: 20% of £7,430 = £1,486
  5. National Insurance: 8% of £7,430, your pay between £12,570 and £50,270 = £594.40
  6. Take-home: £20,000 − £1,486 tax − £594.40 National Insurance = £17,919.60

Scotland

Of a £100 pay rise, you'd keep £72.

£20,000 after tax in Scotland
ItemYearMonthWeek
Pay£20,000£1,666.67£384.62
Income tax−£1,446.33−£120.53−£27.81
National Insurance−£594.40−£49.53−£11.43
Take-home£17,959.27£1,496.61£345.37
  1. Pay: £20,000 a year
  2. The Personal Allowance gives £12,570 tax-free
  3. Taxable pay: £20,000 − £12,570 = £7,430
  4. Starter rate: 19% of £3,967 = £753.73
  5. Basic rate: 20% of £3,463 = £692.60
  6. Income tax: £1,446.33 in all
  7. National Insurance: 8% of £7,430, your pay between £12,570 and £50,270 = £594.40
  8. Take-home: £20,000 − £1,446.33 tax − £594.40 National Insurance = £17,959.27

With a student loan

England, Wales or Northern Ireland tax; each plan on its own.

PlanRepaid a monthTake-home a month
Plan 1England or Wales before September 2012, and Northern Ireland£0£1,493.30
Plan 2England from September 2012 to July 2023, and Wales from September 2012£0£1,493.30
Plan 4Scotland£0£1,493.30
Plan 5England from August 2023£0£1,493.30
Postgraduate Loanmaster's or doctoral loans in England or Wales£0£1,493.30

Will it be paid off or written off?

With a workplace pension

5% of the pay between £6,240 and £50,270, the auto-enrolment minimum, by how it's taken.

Taken byInto your pension a monthTake-home a month
Net pay£57.33£1,447.43
Relief at source£57.33£1,447.43
Salary sacrifice£57.33£1,452.02

Change any of this in the calculator

Nearby salaries

Questions

How much a month is £20,000 after tax?

£1,493.30 in England, Wales or Northern Ireland, and £1,496.61 in Scotland, in 2026/27, with no pension or student loan.

How much a week is £20,000 after tax?

£344.61 in England, Wales or Northern Ireland, and £345.37 in Scotland.

What's £20,000 a year as an hourly rate?

£10.26 an hour before tax, on 37.5 hours a week for 52 weeks.

How much tax do I pay on £20,000?

£1,486 income tax and £594.40 National Insurance in England, Wales or Northern Ireland; £1,446.33 income tax in Scotland, where National Insurance is the same.

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