£29,000 after tax UK (2026/27)
How to read this table: each column is one pay period. Red numbers are taken out of your pay. The last row is what you actually get.
| Item | Year | Month | Week | Day | Hour |
|---|---|---|---|---|---|
| Gross pay | £29,000.00 | £2,416.67 | £557.69 | £111.54 | £14.87 |
| Income Tax | -£3,286.00 | -£273.83 | -£63.19 | -£12.64 | -£1.69 |
| National Insurance | -£1,314.40 | -£109.53 | -£25.28 | -£5.06 | -£0.67 |
| Take-home pay | £24,399.60 | £2,033.30 | £469.22 | £93.84 | £12.51 |
Hourly figures assume 37.5 hours a week. Before tax, £29,000 is £14.87 an hour.
How your £29,000 take-home pay is worked out
- Personal Allowance (tax-free pay): £12,570.
- Pay that is taxed: £29,000 − £12,570 = £16,430.
- Basic rate: £16,430 × 20% = £3,286.00.
- National Insurance: £16,430 × 8% = £1,314.40.
- Take-home: £29,000 − £3,286.00 − £1,314.40 = £24,399.60.
All of your taxable income falls in the 20% basic rate band.
Pay rise tip: from every extra £100 you earn at this level, you keep about £72.
What a pay rise is worth on £29,000
| Pay rise | New salary | Extra take-home a month | You keep |
|---|---|---|---|
| +£1,000 | £30,000 | +£60.00 | 72% |
| +£2,000 | £31,000 | +£120.00 | 72% |
| +5% | £30,450 | +£87.00 | 72% |
| +10% | £31,900 | +£174.00 | 72% |
£29,000 after tax: England vs Scotland
Scotland has its own six Income Tax bands. On £29,000 you take home £24,399.60 in England, Wales or NI, which is £39.67 a year less than Scotland (£24,439.27). National Insurance is the same everywhere. See £29,000 after tax in Scotland.
£29,000 with a student loan
Student loan repayments come out of your pay with your tax. Find your plan below:
| Plan | Paid a year | Paid a month | Take-home a month |
|---|---|---|---|
| Plan 2 | £0.00 | £0.00 | £2,033.30 |
| Plan 5 | £360.00 | £30.00 | £2,003.30 |
| Plan 1 | £189.00 | £15.75 | £2,017.55 |
| Plan 4 (Scotland) | £0.00 | £0.00 | £2,033.30 |
| Postgraduate Loan | £480.00 | £40.00 | £1,993.30 |
£29,000 with a pension
Pension payments come out before tax, so your take-home pay drops by less than the amount you put in. Figures are for salary sacrifice.
| You pay in | Into pension a year | Cost to take-home a year | Take-home a month |
|---|---|---|---|
| 3% | £870.00 | £626.40 | £1,981.10 |
| 5% | £1,450.00 | £1,044.00 | £1,946.30 |
| 8% | £2,320.00 | £1,670.40 | £1,894.10 |
| 10% | £2,900.00 | £2,088.00 | £1,859.30 |
Salaries close to £29,000
| Salary | Take-home a year | A month | Difference a month |
|---|---|---|---|
| £25,000 | £21,520 | £1,793 | −£240 |
| £26,000 | £22,240 | £1,853 | −£180 |
| £27,000 | £22,960 | £1,913 | −£120 |
| £28,000 | £23,680 | £1,973 | −£60 |
| £29,000 | £24,400 | £2,033 | – |
| £30,000 | £25,120 | £2,093 | +£60 |
| £31,000 | £25,840 | £2,153 | +£120 |
| £32,000 | £26,560 | £2,213 | +£180 |
| £33,000 | £27,280 | £2,273 | +£240 |
Add your own pension or student loan
Frequently asked questions
How much is £29,000 a month after tax in the UK?
How much is £29,000 a week after tax?
What tax band is £29,000 in?
Is £29,000 after tax different in Scotland?
If I get a pay rise from £29,000, how much do I keep?
Where our numbers come from
- GOV.UK – Income Tax rates and allowances
- GOV.UK – Rates and thresholds for employers 2026 to 2027
- GOV.UK – National Minimum Wage and National Living Wage rates
Rates checked against official sources on 2026-09-28. Contains public sector information licensed under the Open Government Licence v3.0.