Tax year 2026/27 · England, Wales & NI
£20,000 after tax
A £20,000 salary leaves £17,920 a year - £1,493 a month - after income tax and National Insurance in 2026/27.
Monthly take-home
£1,493
Income tax
£1,486
National Insurance
£594
| Period | Gross | Income tax | National Insurance | Take-home |
|---|---|---|---|---|
| Year | £20,000.00 | £1,486.00 | £594.40 | £17,919.60 |
| Month | £1,666.67 | £123.83 | £49.53 | £1,493.30 |
| Week | £384.62 | £28.58 | £11.43 | £344.61 |
| Day | £76.92 | £5.72 | £2.29 | £68.92 |
In Scotland
Scottish income tax bands make the same salary worth £17,959 a year (£1,497/month) - £40 more than in the rest of the UK.
With a 5% pension
Contributing 5% via salary sacrifice (£1,000 a year into your pension) changes take-home to £17,200 - your pension gains £1,000 while your pay packet only drops £720.
These figures assume a standard 1257L tax code with no student loan. Add your pension, student loan plan and region in the full take-home pay calculator.
Common questions
What is £20,000 after tax per month in the UK?
In the 2026/27 tax year, a £20,000 salary leaves £1,493 per month in England, Wales and Northern Ireland after £124 income tax and £50 National Insurance, assuming a standard tax code with no pension or student loan deductions.
How much tax do I pay on £20,000?
On £20,000 you pay £1,486 income tax and £594 employee National Insurance in 2026/27 - a combined effective rate of 10.4%. Your marginal rate on the next pound earned is 28%.
Is take-home pay different in Scotland on £20,000?
Yes. In Scotland the same salary leaves £17,959 per year - £40 more than in England, Wales and Northern Ireland, because Scotland sets its own income tax bands.