Take-home pay · 2026/27
£20,000 after tax
| £20,000 a year | No student loan | Plan 2 | Plan 5 |
|---|---|---|---|
| Gross pay | £20,000 £1,667/mo | £20,000 £1,667/mo | £20,000 £1,667/mo |
| Income tax | £1,486 £124/mo | £1,486 £124/mo | £1,486 £124/mo |
| National Insurance | £594 £50/mo | £594 £50/mo | £594 £50/mo |
| Student loan | £0 £0/mo | £0 £0/mo | £0 £0/mo |
| Take-home | £17,920 £1,493/mo | £17,920 £1,493/mo | £17,920 £1,493/mo |
TL;DROut of every £100 you earn, about £90 reaches your account — and you’re below the student loan thresholds, so nothing comes off for that.
TL;DRA £1,000 pay rise would add about £60 a month to your take-home.
This is less than full-time pay on the National Living Wage (£24,785 a year at £12.71 an hour) — common for part-time work or under-21 rates.
Your 5-minute move
Now take off rent and bills
See what’s actually left after the essentials, using your own numbers.
Small print
2026/27 income tax and National Insurance for England, Wales and Northern Ireland (Scotland’s income tax bands differ), standard 1257L tax code, employee Class 1 NI. Plan 2 repayments are 9% above £29,385 and Plan 5 9% above £25,000. Pension contributions, salary sacrifice, benefits in kind and other deductions are not included. General information, not financial advice.