£20,000 After Tax UK — Take-Home Pay 2026/27
On a £20,000 salary in England, Wales or Northern Ireland, you take home about £17,920 a year — that's £1,493 a month, or £345 a week — once Income Tax and National Insurance are taken off. You keep about 89.6% of your gross pay.
Pay by period
| Period | Gross | Tax | NI | Take-home |
|---|---|---|---|---|
| Yearly | £20,000.00 | £1,486.00 | £594.40 | £17,919.60 |
| Monthly | £1,666.67 | £123.83 | £49.53 | £1,493.30 |
| Weekly | £384.62 | £28.58 | £11.43 | £344.61 |
| Daily | £76.92 | £5.72 | £2.29 | £68.92 |
Personal Allowance: £12,570. Assumes the standard tax code, one job, no pension contribution and no student loan.
England, Wales & NI vs Scotland
| England, Wales & NI | Scotland | |
|---|---|---|
| Income Tax | £1,486 | £1,446 |
| Take-home pay | £17,920 | £17,959 |
Frequently asked questions
On a £20,000 salary in England, Wales or Northern Ireland, you'd take home about £17,920 a year (£1,493 a month), after £1,486 of Income Tax and £594 of National Insurance.
In Scotland, a £20,000 salary works out at about £17,959 a year take-home, because Scottish Income Tax uses different bands from the rest of the UK.
Income Tax alone comes to about 7.4% of a £20,000 salary. Add National Insurance and the combined effective rate is about 10.4%.
No — this page assumes no pension contribution, no student loan and the standard tax code. Use the full Income Tax Calculator to add those and get a more personal figure.
Other salaries
These figures are estimates based on 2026/27 UK tax rates and are not financial advice. For pension, student loan or tax code adjustments, use the Income Tax Calculator.
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