£20,000 After Tax UK: £17,920 Take-Home Pay 2026/27
A £20k salary leaves you £17,919.60 a year after tax and National Insurance: £1,493.30 a month, £344.61 a week or £9.19 an hour.
Change the tax code, pension or student loan to match your payslip, or start from any salary in the take-home pay calculator.
Take-home pay
£17,919.60a year
£1,493.30a month
Enter your salary to see your take-home pay.
- Effective rate
- 10.4%
- Marginal rate
- 28%
Based on HMRC rates for the 2026/27 tax year.
£20,000 salary breakdown
| Item | Year | Month | Week | Day | Hour |
|---|---|---|---|---|---|
| Gross pay | £20,000.00 | £1,666.67 | £384.62 | £76.92 | £10.26 |
| Income tax | £1,486.00 | £123.83 | £28.58 | £5.72 | £0.76 |
| National Insurance | £594.40 | £49.53 | £11.43 | £2.29 | £0.30 |
| Student loan | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Postgraduate loan | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Pension | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Take-home pay | £17,919.60 | £1,493.30 | £344.61 | £68.92 | £9.19 |
Income tax by band
| Band | Rate | Income | Tax |
|---|---|---|---|
| Personal Allowance | 0% | £12,570.00 | £0.00 |
| Basic rate | 20% | £7,430.00 | £1,486.00 |
| Income tax a year | £1,486.00 | ||
Cost to your employer
- Employer National Insurance
- £2,250.00
- Total cost to employer
- £22,250.00
Yearly figures
Tax and National Insurance on £20,000
Under the 2026/27 income tax bands, the first £12,570 is tax-free and the remaining £7,430 is taxed at 20%, so you pay £1,486.00 income tax a year.
National Insurance comes to £594.40 a year: 8% of the £7,430 you earn above £12,570.
Your hourly pay on a 37.5-hour week is £10.26 before tax and £9.19 after it.
£20,000 after tax in Scotland
Take-home pay in Scotland on £20,000 is £17,959.27 a year, or £1,496.61 a month. The Scottish tax bands take £1,446.33 in income tax, £39.67 less than in England, Wales and Northern Ireland, and National Insurance stays at £594.40.
| Where you live | Income tax | National Insurance | Take-home a year | Take-home a month |
|---|---|---|---|---|
| England, Wales and Northern Ireland | £1,486.00 | £594.40 | £17,919.60 | £1,493.30 |
| Scotland | £1,446.33 | £594.40 | £17,959.27 | £1,496.61 |
Take-home pay on salaries near £20,000
| Salary | Take-home a year | Take-home a month |
|---|---|---|
| £18,000 after tax | £16,479.60 | £1,373.30 |
| £21,000 after tax | £18,639.60 | £1,553.30 |
| £22,000 after tax | £19,359.60 | £1,613.30 |
| £23,000 after tax | £20,079.60 | £1,673.30 |
| £24,000 after tax | £20,799.60 | £1,733.30 |
Questions about £20,000 after tax
How much is £20,000 a year after tax per month?
£20,000 a year is £1,493.30 a month after tax and National Insurance, on the 1257L tax code with no pension or student loan.
How much tax and National Insurance do I pay on £20,000?
On £20,000 you pay £1,486.00 income tax and £594.40 National Insurance a year, £2,080.40 in total. Each month that is £123.83 income tax and £49.53 National Insurance.
What is £20,000 a year per hour?
£20,000 a year is £10.26 an hour before tax on a 37.5-hour week, and £9.19 an hour after tax.
How much is £20,000 a year per week after tax?
£20,000 a year is £344.61 a week after tax, from £384.62 a week before tax.