£29,000 a Year After Tax in the UK (2026/27)
On a £29,000 salary you take home £24,400 a year (£2,033 a month, £469 a week) in England, Wales and Northern Ireland, after £3,286 income tax and £1,314 National Insurance.
| Period | Gross | Take-home |
|---|---|---|
| Per year | £29,000 | £24,400 |
| Per month | £2,417 | £2,033 |
| Per 4 weeks | £2,231 | £1,877 |
| Per week | £557.69 | £469.22 |
| Per day (5-day week) | £111.54 | £93.84 |
| Per hour (37.5 hours) | £14.87 | £12.51 |
Adjust for pension, student loan or Scotland
How the tax on £29,000 is worked out
| Item | Per year | Per month |
|---|---|---|
| Gross salary | £29,000 | £2,417 |
| Tax-free Personal Allowance | £12,570 | £1,048 |
| Taxable income | £16,430 | £1,369 |
| Basic rate (20%) on £16,430 | £3,286 | £274 |
| Income tax | £3,286 | £274 |
| National Insurance | £1,314 | £110 |
| Take-home pay | £24,400 | £2,033 |
Altogether 15.9% of your gross pay goes in tax and National Insurance, and you keep 84.1%. This assumes the standard tax code (1257L), no pension and no student loan.
Your income is all taxed at the basic rate of 20% above the £12,570 Personal Allowance, with 8% National Insurance on top, so each extra £1 earned adds about 28p of deductions.
£29,000 after tax in Scotland
Scotland has its own income tax bands. On £29,000 a Scottish taxpayer pays £3,246 income tax and takes home £24,439 a year (£2,037 a month). That is £40 a year more than the rest of the UK.
£29,000 with a pension or student loan
Paying 5% of your salary into a pension (£1,450 a year) through net pay leaves you with £23,240 a year; through salary sacrifice, which also saves National Insurance, £23,356.
| Loan | Repaid per year | Take-home per year | Take-home per month |
|---|---|---|---|
| Plan 1 | £189 | £24,211 | £2,018 |
| Plan 2 | £0 | £24,400 | £2,033 |
| Plan 4 (Scotland) | £0 | £24,400 | £2,033 |
| Plan 5 | £360 | £24,040 | £2,003 |
| Postgraduate loan | £480 | £23,920 | £1,993 |
Where £29,000 sits
- That is 1.17 times a full-time National Living Wage salary (£24,785 on 37.5 hours a week at £12.71 an hour).
- £12,570 of it (43%) is covered by your tax-free Personal Allowance.
- All of your taxable pay is taxed at the basic rate of 20%, because it is below the £50,270 higher-rate threshold.
- You pay 8% National Insurance on £16,430.
- Student loans: Plan 1: repayments start, about £189 a year; Plan 2: no repayments (threshold £29,385); Plan 5: repayments start, about £360 a year.
Nearby salaries
| Salary | Per year | Per month | Per week |
|---|---|---|---|
| £26,000 | £22,240 | £1,853 | £428 |
| £27,000 | £22,960 | £1,913 | £442 |
| £28,000 | £23,680 | £1,973 | £455 |
| £30,000 | £25,120 | £2,093 | £483 |
| £31,000 | £25,840 | £2,153 | £497 |
| £32,000 | £26,560 | £2,213 | £511 |
Related
- £15 an hour equivalent
- Take-home pay calculator
- Pay rise calculator
- Tax codes
- National Insurance
- Student loans
Figures assume 2026/27 rates for England, Wales and Northern Ireland, one job, and the standard tax code. Source: GOV.UK. Use the take-home pay calculator for your own situation.
Frequently asked questions
How much is £29,000 a month after tax?
A salary of £29,000 gives you £2,033 a month after income tax and National Insurance in 2026/27 (England, Wales and Northern Ireland). In Scotland it is £2,037 a month.
How much tax do I pay on £29,000?
You pay £3,286 income tax a year on £29,000, plus £1,314 National Insurance. That is 15.9% of your gross salary.
What is £29,000 a year per hour?
On a 37.5-hour week, £29,000 a year is £14.87 an hour before tax (£12.51 after tax). On a 40-hour week it is £13.94 an hour before tax.
How much is £29,000 a week after tax?
You take home about £469.22 a week from a £29,000 salary in 2026/27.
Does a pension change my take-home pay on £29,000?
Yes. Paying 5% into a workplace pension through net pay reduces your take-home pay to £23,240 a year, a fall of only £1,160 even though £1,450 goes into your pension. With salary sacrifice it is £23,356.
Figures are for the 2026/27 tax year from official sources and are estimates for guidance only, not financial or legal advice. Printed from ukanswers.co.uk.