£21,000 salary breakdown for 2026/27
£21,000 after tax is £18,639.60 a year in England, Wales and Northern Ireland for the 2026/27 tax year. That is £1,553.30 a month and £358.45 a week. These figures use tax code 1257L and do not deduct a pension or a student loan.
Annual, monthly and weekly breakdown
| Annual | Monthly | Weekly | |
|---|---|---|---|
| Gross pay | £21,000.00 | £1,750.00 | £403.85 |
| Income tax | £1,686.00 | £140.50 | £32.42 |
| National Insurance | £674.40 | £56.20 | £12.97 |
| Take-home pay | £18,639.60 | £1,553.30 | £358.45 |
Monthly and weekly amounts are the annual figures divided by 12 and 52.
Scotland comparison
In Scotland, £21,000 after tax is £18,679.27 a year (£1,556.61 a month). That is £39.67 more than England, Wales and Northern Ireland. Scottish income tax calculator.
Student loan note
The take-home figure above does not include a student loan. For 2026/27 the thresholds are Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000 (all 9%) and postgraduate £21,000 (6%). Plan 2 would not deduct anything, because £21,000 is below the £29,385 threshold. Plan 5 would not deduct anything, because £21,000 is below the £25,000 threshold. Tick a plan in Advanced Settings, or use the student loan calculator.
Pension note
No pension is deducted above. At £21,000 you are over the £10,000 automatic-enrolment trigger. The minimum contribution is 8% of qualifying earnings between £6,240 and £50,270: about £738.00 from you and £442.80 from your employer. The pension box on this calculator deducts a percentage of gross pay before income tax, which is not the same as the qualifying-earnings minimum. Employer National Insurance, paid on top of salary, is 15% above £5,000 and does not come out of this take-home figure.
Frequently asked questions
How much is £21,000 after tax in the UK for 2026/27?
£21,000 after tax in 2026/27 is £18,639.60 a year in England, Wales and Northern Ireland, on tax code 1257L with no pension and no student loan.
What is £21,000 a month and a week after tax?
That take-home pay is £1,553.30 a month and £358.45 a week. Monthly and weekly figures are the annual amounts divided by 12 and 52.
How much income tax and National Insurance is paid on £21,000?
Income tax is £1,686.00 and employee National Insurance is £674.40. The personal allowance is £12,570 and employee National Insurance is 8% between £12,570 and £50,270, then 2%.
Is £21,000 after tax different in Scotland?
Yes. The same £21,000 salary is £18,679.27 take-home in Scotland, which is £39.67 more than in England, Wales and Northern Ireland, because Scottish income tax bands are different. National Insurance is the same.