£20,000 after tax in 2026/27
On a £20,000 salary, estimated take-home pay is £1,493.30 per month in England, Wales or Northern Ireland before pension contributions or student-loan repayments.
Monthly take-home£1,493.30
Annual take-home£17,920
Weekly take-home£344.61
You keep89.6%
£20,000 salary breakdown
| Item | Year | Month |
|---|---|---|
| Gross salary | £20,000 | £1,666.67 |
| Income Tax | −£1,486 | −£123.83 |
| National Insurance | −£594 | −£49.53 |
| Take-home pay | £17,920 | £1,493.30 |
What about Scotland?
Scottish Income Tax uses different bands. On the same £20,000 gross salary, the standard estimate is £1,496.61 per month, compared with £1,493.30 elsewhere in the UK.
| Region | Monthly take-home | Annual take-home |
|---|---|---|
| England, Wales & Northern Ireland | £1,493.30 | £17,920 |
| Scotland | £1,496.61 | £17,959 |
How this estimate is worked out
The figures use the 2026/27 Income Tax and employee National Insurance rules with the standard Personal Allowance. They do not include pension contributions, student loans, taxable benefits or a non-standard tax code.
For the full assumptions and official sources, see our methodology and sources. To add pension or student-loan details, use the main take-home pay calculator.