£20,000 after tax in the UK
On a salary of £20,000 a year, you take home £17,369 a year after income tax, National Insurance and a 5% workplace pension: £1,447.43 a month, or £334.02 a week.
✓Your take-home pay on £20,000
Weekly£334.02from £384.62
Monthly£1,447.43from £1,666.67
Yearly£17,369.20from £20,000.00
87%is yours to keep
An hour£8.91£10.26 before tax
A day£66.80£76.92 before tax
- Take-home pay£1,447.43
- Income tax£112.37
- National Insurance£49.53
- Pension (5%)£57.33
Every line, every way
| 2026/27 | Weekly | Monthly | Yearly |
|---|---|---|---|
| Take-home pay | £334.02 | £1,447.43 | £17,369.20 |
| Gross pay | £384.62 | £1,666.67 | £20,000.00 |
| Income tax | £25.93 | £112.37 | £1,348.40 |
| National Insurance | £11.43 | £49.53 | £594.40 |
| Pension (5%) | £13.23 | £57.33 | £688.00 |
In Scotland£17,409
With a Plan 2 loan£17,369
Tax and NI rate9.7%
Marginal rate28%
Your tax bands
0%
20%£12,570
40%£50,270
45%£125,140
England, Wales or Northern Ireland, tax code 1257L, a 5% auto-enrolment pension on qualifying earnings. In Scotland you’d take home £40 more a year.
Common questions
How much is £20,000 a year after tax?
£17,369 a year in 2026/27 (£1,447.43 a month) after £1,348 of income tax, £594 of National Insurance and a 5% pension. In Scotland it’s £17,409.
How much is £20,000 with a student loan?
The same: £20,000 is under the Plan 2 repayment threshold of £29,385.
What is £20,000 an hour?
About £10.26 an hour before tax, for a 37.5-hour week.