Home / UK take-home pay / £20,000
£20,000 after tax in the UK (2026/27)
On a £20,000 salary you take homeOn £20,000 you take home
£1,493.30a month
YearYear
£17,919.60
WeekWeek
£344.61
DayDay
£68.92
Hour (37.5 h week)Hour (37.5 h)
£9.19
Take-home 89.6%Income tax £1,486.00 (7.4%)Tax £1,486.00National Insurance £594.40 (3.0%)NI £594.40
In plain words
On a salary of £20,000 in England, Wales or Northern Ireland, the first £12,570 is tax-free. You pay 20% income tax on the next £7,430, which is £1,486.00, and 8% National Insurance on the same amount, which is £594.40. That leaves £17,919.60 a year. Out of every extra £1 you earn, you keep 72p.
The full picture
£20,000 payslip
| £20,000 payslip | Year | Month | Week | Day |
|---|---|---|---|---|
| Gross pay | £20,000.00 | £1,666.67 | £384.62 | £76.92 |
| Tax-free allowance | £12,570.00 | £1,047.50 | £241.73 | £48.35 |
| Income tax | −£1,486.00 | −£123.83 | −£28.58 | −£5.72 |
| National Insurance | −£594.40 | −£49.53 | −£11.43 | −£2.29 |
| Take-home pay | £17,919.60 | £1,493.30 | £344.61 | £68.92 |
Day = yearly ÷ 260 working days. Tax code 1257L, no pension or student loan.
Effective rate
10.4%
Next £1 you earnNext £1
28p
Your employer paysEmployer pays
£22,250
To the 40% bandTo 40% band
£30,270
Compare nearby salaries
| Salary | Take-home a year | Take-home a montha month |
|---|---|---|
| £20,000 | £17,919.60 | £1,493.30 |
| £25,000 | £21,519.60 | £1,793.30 |
| £30,000 | £25,119.60 | £2,093.30 |
A £5,000 rise from £20,000 adds £3,600 a year (£300 a month) to your take-home pay.
Questions about £20,000
How much tax do I pay on £20,000?
£1,486.00 income tax and £594.40 National Insurance in 2026/27, £2,080.40 in total.
What is £20,000 a year per hour?
£10.26 an hour before tax and £9.19 after tax, on a 37.5 hour week.
Is it different in Scotland?
Yes. Scotland has its own income tax bands. Use the calculator and choose Scotland to see your figure.
Sources: GOV.UK income tax rates · GOV.UK National Insurance rates · Tax code 1257L, no pension or student loan.