£20,000 after tax
Quick answer
If you earn a £20,000 salary in 2026/27, your take-home pay is £17,920 a year, or £1,493 a month. That's after £1,486 income tax and £594 National Insurance, so you keep 89.6% of your gross salary.
Take-home pay on £20,000
Take-home pay
per year · you keep
monthly
weekly
daily
How much is £20,000 after tax?
A gross salary of £20,000 in the 2026/27 tax year leaves you with a take-home pay of £17,920 a year - that's £1,493 a month, £345 a week, or about £69 per working day. The deductions are £1,486 in income tax and £594 in National Insurance, so you keep 89.6% of what you earn. These figures assume the standard tax code, no pension contributions and no student loan - add those on the full salary calculator.
Where your £20,000 goes
| Item | Per year | Per month |
|---|---|---|
| Gross salary | £20,000 | £1,667 |
| Income Tax | − £1,486 | − £124 |
| National Insurance | − £594 | − £50 |
| Take-home pay | £17,920 | £1,493 |
How the tax on £20,000 is worked out
You get a £12,570 tax-free Personal Allowance, leaving £7,430 of taxable income. Income tax is then charged in bands:
| Band | Rate | Taxed | Tax |
|---|---|---|---|
| Personal Allowance | 0% | £12,570 | £0 |
| Basic rate | 20% | £7,430 | £1,486 |
| National Insurance | n/a | n/a | £594 |
On your next £100 of salary you'd keep about £72 - a marginal rate of 28%. That's useful to know before negotiating a raise or taking on overtime.
£20,000 vs nearby salaries
How your take-home changes at nearby salaries (yearly):
| Salary | Take-home / yr | Take-home / mo | You keep |
|---|---|---|---|
| £15,000 | £14,320 | £1,193 | 95.5% |
| £19,000 | £17,200 | £1,433 | 90.5% |
| £21,000 | £18,640 | £1,553 | 88.8% |
| £25,000 | £21,520 | £1,793 | 86.1% |
| £20,000 (this page) | £17,920 | £1,493 | 89.6% |
Estimate for the 2026/27 tax year (England, Wales & Northern Ireland), based on the standard Personal Allowance and Class 1 National Insurance. Scotland has different income tax bands - use the salary calculator and select Scotland. Source: GOV.UK official rates.
