Answers · UK 2025/26
How much tax do I pay on £20,000 in the UK?
On £20,000 in 2025/26 (England/Wales/NI) you pay £1,486 Income Tax and £594 National Insurance, leaving £17,920 net (about £1,493/month). The Personal Allowance covers the first £12,570 tax-free.
Full answer
For a £20,000 salary in 2025/26: Personal Allowance £12,570 (0%). Remaining £7,430 taxed at 20% basic rate = £1,486 Income Tax. National Insurance: 8% on £7,430 = £594. Total deductions £2,080. Net take-home approximately £17,920 per year or £1,493 per month. In Scotland the result is very similar — starter rate 19% applies to the first £2,827 above the Personal Allowance, then basic rate 20% on the rest. Plan 5 student loan would not apply at this level (threshold £25,000).
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.