What is the take home pay on a £20,000 salary?

On a £20,000 salary in the UK for 2025/26, your take-home pay is £17,919.6 per year (£1,493 per month). You pay £1,486 in income tax and £594 in National Insurance.

How much tax do I pay on £20,000?

On a £20,000 salary, you pay £1,486 in income tax and £594 in National Insurance. Your effective tax rate is 10.4%.

£20,000 After Tax UK

If you earn £20,000 per year in the UK, your take-home pay will be £17,919.6 per year or £1,493 per month after income tax and National Insurance deductions.

Yearly

£17,920

Monthly

£1,493

Weekly

£345

Hourly

£8.62

Tax breakdown on £20,000 salary

Gross salary

£20,000£1,667/mo

Personal allowance

£12,570

Taxable income

£7,430

Income tax

-£1,486-£124/mo

Basic Rate (20% on £7,430)-£1,486

National Insurance

-£594-£50/mo

Main Rate (8%)-£594

Take-home pay

£17,920£1,493/mo

Tax year comparison

2025/26

2026/27

Income tax

£1,486

National Insurance

£594

Take-home

£17,920

Where your £20,000 goes

Take-home 90%

Tax 7%

NI 3%

Quick facts

Daily take-home£69

Hourly rate (gross)£9.62

Hourly rate (net)£8.62

Effective tax rate10.4%

Marginal rate28%

Compare salaries

£15,000£1,193/mo £18,000£1,373/mo £19,000£1,433/mo £21,000£1,553/mo £22,000£1,613/mo £25,000£1,793/mo

Need more detail?

Add student loan, pension, and salary sacrifice to get your exact take-home pay.

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Related calculators

Dividend tax calculator →Self-employed tax →Salary sacrifice calculator →Student loan repayment →Pension calculator →