On a £20,000 salary in the 2026/27 tax year you take home £17,920 a year — about £1,493 a month or £345 a week — after £1,486 of Income Tax and £594 of National Insurance. Figures are for an employee in England, Wales or Northern Ireland with no pension or student loan; use the full calculator to add those.
| Gross salary | £20,000 |
| Income Tax | −£1,486 |
| National Insurance | −£594 |
| Take-home pay | £17,920 |
Income Tax is £7,430 at 20%. Your effective tax rate is 10.4%, and the marginal rate on your next £100 is about 28%.
Add a pension, student loan, bonus or overtime in the full calculator — it opens pre-filled with £20,000.
£20,000 sits comfortably in the basic-rate band with the full Personal Allowance and a low overall effective tax rate. There is no National Insurance on the first £12,570, so a good chunk of this salary arrives untouched.
These results are estimates for general information only and are not financial advice. Check every figure yourself and seek appropriate advice from a qualified professional before making any decision. Read the full disclaimer.