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£20,000 Salary — Take Home Pay 2025/26
On a £20,000 salary you take home £17,920 per year — that's £1,493 per month after Income Tax and National Insurance.
✓ 2025/26 HMRC rates✓ 89.6% kept✓ Standard 1257L tax code
Last updated: April 2026 · Verified against HMRC rates
Monthly take-home
£1,493
89.6% of gross
Annual take-home
£17,920
after deductions
Weekly take-home
£345
per week
Daily take-home
£69
260 working days
Annual deductions breakdown — £20,000 salary (2025/26)
| Gross salary | £20,000 |
| Personal allowance | £12,570 |
| Taxable income | £7,430 |
| Income Tax (7.4% effective rate) | −£1,486 |
| National Insurance (3.0% effective rate) | −£594 |
| Take-home pay | £17,920 |
Where your £20,000 salary goes89.6% kept
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How much tax do you pay on a £20,000 salary?
On a £20,000 salary in 2025/26 with the standard 1257L tax code, you pay £1,486 in Income Tax and £594 in National Insurance per year. Your effective Income Tax rate is 7.4% — meaning you keep 89.6% of your gross salary overall.
£20,000 salary — pay periods
| Period | Gross | Take-home |
|---|
| Annual | £20,000 | £17,920 |
| Monthly | £1,666 | £1,493 |
| Weekly | £385 | £345 |
| Daily (260 days) | £77 | £69 |
Frequently asked questions
What is the take-home pay on a £20,000 salary in 2025/26?
On a £20,000 gross salary with the 1257L tax code, take-home is £17,920/year (£1,493/month). This is after £1,486 Income Tax and £594 NI.
How much Income Tax do I pay on £20,000?
£1,486 per year — an effective rate of 7.4%. The first £12,570 is tax-free (personal allowance).
How much NI do I pay on £20,000?
£594 per year. NI is 8% on earnings between £12,570 and £50,270, and 2% above £50,270.
Will my take-home differ if I have a student loan?
Calculate a different salary
These figures assume a standard 1257L tax code, no student loan, and no pension contributions. Use the full salary calculator for a personalised result.
Figures based on 2025/26 HMRC rates for England, Wales and Northern Ireland with the standard 1257L tax code. Scottish taxpayers pay different rates.
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