Income Tax
Tax deducted
£1,486
Based on Personal Allowance of £12,570 and 2026/27 bands. Effective Income Tax rate: 7.4%.
How this is calculated →2026/27 Tax Year Simulation
£20,000 Salary After Tax 2026/27
Simulation shows a £20,000 gross salary produces £17,920 annual take-home pay for the 2026/27 UK tax year — that is £1,493 per month or £345 per week.
⚠️ Simulation only — not financial advice. Based on standard 1257L tax code, no pension, no student loan. See full methodology.
Annual take-home pay
£17,920
£1,493 / month
£345 / week
Effective rate 10.4%
Employee NI
National Insurance
£594
Class 1 Employee NI at 8% between £12,570–£50,270 and 2% above.
See NI methodology →Employer cost
Employer NI
£2,250
15% Employer NI above the £5,000 secondary threshold. Total employment cost: £22,250.
Employer NI explained →Take-home
Net Pay
£17,920
After Income Tax (£1,486) and Employee NI (£594). You keep 10.4% of your gross.
Run your own calculation →Full £20,000 salary breakdown — 2026/27
| Item | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross Salary | £20,000 | £1,667 | £385 |
| Income Tax | − £1,486 | − £124 | − £29 |
| Employee National Insurance | − £594 | − £50 | − £11 |
| Take-Home Pay | £17,920 | £1,493 | £345 |
| Employer NI (employer cost) | £2,250 | £188 | £43 |
Simulation based on 2026/27 HMRC thresholds. Standard 1257L tax code. No pension, no student loan applied. Verify the full methodology →
Frequently asked questions — £20,000 salary
What is the take-home pay for £20,000 in 2026/27?
Simulation shows £17,920 annual take-home (£1,493/month, £345/week) after Income Tax of £1,486 and Employee NI of £594.
How much Income Tax on a £20,000 salary?
Simulation shows £1,486 Income Tax. Your Personal Allowance is £12,570 and the effective Income Tax rate is 7.4%.
What is the Employer NI cost for £20,000?
At the 2026/27 rate of 15% above £5,000, the Employer NI cost is £2,250. The total employment cost to the employer is £22,250.
Is this official HMRC data?
This is a simulation using 2026/27 HMRC thresholds. It is not financial advice. For official payroll calculations, use HMRC-certified payroll software. Read our methodology.
Run your exact calculation
Add pension sacrifice, student loan, or switch to Scottish tax rates. Our calculator handles all 2026/27 scenarios.
Open Full Calculator → View Methodology