2026/27 take-home pay
£21,001 after tax
On a £21,001 salary you take home £18,643 a year in 2026/27, which is £1,553.55 a month. You pay £1,686 income tax and £674 National Insurance, 11.2% of your pay.
Take-home pay by period
| Period | Gross | Tax | NI | Take-home |
|---|---|---|---|---|
| Year | £21,001 | £1,686 | £674 | £18,643 |
| Month | £1,750.08 | £140.52 | £56.17 | £1,553.55 |
| 4 weeks | £1,615.46 | £129.71 | £51.85 | £1,434.04 |
| Week | £403.87 | £32.43 | £12.96 | £358.51 |
| Day | £80.77 | £6.49 | £2.59 | £71.70 |
| Hour (37.5h week) | £10.77 | £0.86 | £0.35 | £9.56 |
Your marginal rate
28%
Of your next £100 of salary you keep about £72.
£21,001 after tax in different situations
| Situation | Income tax | NI | Loan | Take-home a month |
|---|---|---|---|---|
| England, Wales or NI | £1,686 | £674 | £0 | £1,553.55 |
| Scotland | £1,647 | £674 | £0 | £1,556.85 |
| With 5% pension (salary sacrifice) | £1,476 | £590 | £0 | £1,490.54 |
| With Plan 2 student loan | £1,686 | £674 | £0 | £1,553.55 |
| Plan 2 loan and 5% pension | £1,476 | £590 | £0 | £1,490.54 |
How it is worked out
- Your first £12,570 is tax-free (the Personal Allowance).
- £8,431 is taxed at the basic rate of 20%: £1,686.
- National Insurance is 8% of £8,431 between £12,570 and £50,270. Payroll works it out each month, which gives £674.04 for the year.
- That leaves £18,642.56 a year, or £1,553.55 a month.
Common questions
How much is £21,001 a year after tax?
On a £21,001 salary in 2026/27 you take home £18,643 a year in England, Wales or Northern Ireland, after £1,686 income tax and £674 National Insurance. That assumes the standard 1257L tax code, no pension and no student loan.
What is £21,001 a month after tax?
£21,001 a year is £1,750.08 a month before tax and about £1,553.55 a month after tax and National Insurance in 2026/27.
How much tax do I pay on £21,001?
You pay £1,686 income tax and £674 employee National Insurance on £21,001 in 2026/27: 11.2% of your pay in total. Your tax-free Personal Allowance is £12,570.
Is £21,001 after tax different in Scotland?
Yes. In Scotland the same salary leaves £18,682 a year (£1,556.85 a month), £40 more than in the rest of the UK, because Scotland sets its own income tax bands. National Insurance is the same everywhere.
What is £21,001 a year as an hourly rate?
At 37.5 hours a week, £21,001 a year is £10.77 an hour before tax and £9.56 an hour after tax.
What is my marginal tax rate on £21,001?
On £21,001 the next £100 you earn costs 28% in income tax and National Insurance, so you keep about £72 of it.
Official sources
Every rate and threshold on this page is checked against these official pages. How we calculate
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