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TAKE-HOME PAY · 2026/27

£21,000 after tax

On a £21,000 salary you take home £18,639.60 a year, which is £1,553.30 a month or £358.45 a week, in England, Wales or Northern Ireland. In Scotland it's £18,679.27 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.

£21,000 after tax in England, Wales or Northern Ireland
ItemYearMonthWeek
Pay£21,000£1,750£403.85
Income tax−£1,686−£140.50−£32.42
National Insurance−£674.40−£56.20−£12.97
Take-home£18,639.60£1,553.30£358.45
  1. Pay: £21,000 a year
  2. The Personal Allowance gives £12,570 tax-free
  3. Taxable pay: £21,000 − £12,570 = £8,430
  4. Basic rate: 20% of £8,430 = £1,686
  5. National Insurance: 8% of £8,430, your pay between £12,570 and £50,270 = £674.40
  6. Take-home: £21,000 − £1,686 tax − £674.40 National Insurance = £18,639.60

Scotland

Of a £100 pay rise, you'd keep £72.

£21,000 after tax in Scotland
ItemYearMonthWeek
Pay£21,000£1,750£403.85
Income tax−£1,646.33−£137.19−£31.66
National Insurance−£674.40−£56.20−£12.97
Take-home£18,679.27£1,556.61£359.22
  1. Pay: £21,000 a year
  2. The Personal Allowance gives £12,570 tax-free
  3. Taxable pay: £21,000 − £12,570 = £8,430
  4. Starter rate: 19% of £3,967 = £753.73
  5. Basic rate: 20% of £4,463 = £892.60
  6. Income tax: £1,646.33 in all
  7. National Insurance: 8% of £8,430, your pay between £12,570 and £50,270 = £674.40
  8. Take-home: £21,000 − £1,646.33 tax − £674.40 National Insurance = £18,679.27

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£1,553.30
Plan 2England from September 2012 to July 2023, and Wales from September 2012£0£1,553.30
Plan 4Scotland£0£1,553.30
Plan 5England from August 2023£0£1,553.30
Postgraduate Loanmaster's or doctoral loans in England or Wales£0£1,553.30

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£61.50£1,504.10
Relief at source£61.50£1,504.10
Salary sacrifice£61.50£1,509.02

Change any of this in the calculator

Nearby salaries

Questions

How much a month is £21,000 after tax?

£1,553.30 in England, Wales or Northern Ireland, and £1,556.61 in Scotland, in 2026/27, with no pension or student loan.

How much a week is £21,000 after tax?

£358.45 in England, Wales or Northern Ireland, and £359.22 in Scotland.

What's £21,000 a year as an hourly rate?

£10.77 an hour before tax, on 37.5 hours a week for 52 weeks.

How much tax do I pay on £21,000?

£1,686 income tax and £674.40 National Insurance in England, Wales or Northern Ireland; £1,646.33 income tax in Scotland, where National Insurance is the same.

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