£20,000 Salary - UK Take Home Pay
If you earn £20,000 per year in the UK, you will take home £17,920 after tax and National Insurance. That's £1,493.30 per month.
Customise Your Calculation
Your Income
Enter your salary details for 2025/26
Salary sacrifice reduces taxable income
Take Home Pay
£17,919.60/year
89.6% of gross income
- Gross Income£20,000.00
- Taxable Income£7,430.00
- Income Tax-£1,486.00
- National Insurance-£594.40
- Total Deductions-£2,080.40
10.4%
Effective Rate
20%
Marginal Rate
£20,000 Salary Insights
Compare your salary and understand your tax breakdown
£20,000 vs UK Wages
Below UK median
-43%
vs UK Median
£15,000
Below Median
Where Your £20,000 Goes
Annual breakdown of your salary
Tax Benefits on £20,000 from Pension
See how pension contributions reduce your tax bill
Increase your pension contribution to see potential tax savings. Pension contributions reduce your taxable income.
£20,000 Salary Breakdown
| Description | Yearly | Monthly |
|---|---|---|
| Gross Salary | £20,000.00 | £1,666.67 |
| Personal Allowance | £12,570.00 | £1,047.50 |
| Taxable Income | £7,430.00 | £619.17 |
| Income Tax | -£1,486.00 | -£123.83 |
| National Insurance | -£594.40 | -£49.53 |
| Total Deductions | -£2,080.40 | -£173.37 |
| Take Home Pay | £17,919.60 | £1,493.30 |
How is £20,000 Taxed?
On a £20,000 salary, here's how your income is distributed across tax bands:
Understanding Your £20,000 Salary
A £20,000 salary in the UK for the 2025/26 tax year will result in a take-home pay of £17,919.60 per year, or £1,493.30 per month. This calculation includes Income Tax and National Insurance deductions.
Your effective tax rate is 10.4%, meaning for every £1 you earn, you keep approximately £90 pence. Your marginal tax rate (the rate on your next £1 earned) is 20%. Learn more about UK tax bands.
This calculation assumes you have a standard Personal Allowance of £12,570, no student loan repayments, and no pension contributions. You can adjust these factors using the calculator above to see how they affect your take-home pay.
Looking for salary information by job title? Browse UK salaries by profession to see how your salary compares to others in your field.