£29,000 after tax: take-home pay 2026/27
On a £29,000 salary in 2026/27, take-home in England, Wales or Northern Ireland is £24,399.60 a year (£2,033.30 a month) with a standard tax code, no pension and no student loan. Figures use HMRC rates and thresholds for employers 2026 to 2027.
- Gross
- £29,000
- Take-home / year
- £24,400 (£24,399.60)
- Take-home / month
- £2,033 (£2,033.30)
- Effective rate
- 15.9%
Assumes 2026/27 · England, Wales & NI · tax code 1257L · no pension · no student loan · 52 weeks. Not Scotland unless you switch below.
£29,000 salary breakdown
| Item | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross pay | £29,000.00 | £2,416.67 | £557.69 |
| Personal allowance | £12,570.00 | £1,047.50 | £241.73 |
| Taxable income | £16,430.00 | £1,369.17 | £315.96 |
| Income tax | £3,286.00 | £273.83 | £63.19 |
| National Insurance | £1,314.40 | £109.53 | £25.28 |
| Take-home pay | £24,399.60 | £2,033.30 | £469.22 |
Tax by band
- Basic rate · 20.0%£3,286.00
Adjust this £29,000 calculation
Which tax bands does £29,000 hit?
£29,000 sits in the basic-rate band for 2026/27. After the £12,570 personal allowance, £16,430 is taxed at 20%, giving income tax of £3,286.00. Employee National Insurance adds another 8% on earnings between £12,570 and £50,270, which works out at £1,314.40 here.
You are well below the higher-rate threshold of £50,270 (England, Wales and Northern Ireland), so every extra £1 you earn keeps 72p after the 20% income tax and 8% employee NI. That combined 28% marginal rate is what to think about when weighing a pay rise at this level.
£0 – £37,700 of taxable income · £16,430.00 taxed
Student loan and pension on £29,000
| Scenario | Tax | NI | Loan | Pension | Monthly | Take-home |
|---|---|---|---|---|---|---|
| Headline (Rest of UK, no pension, no loan)The SERP number | £3,286.00 | £1,314.40 | £0.00 | £0.00 | £2,033.30 | £24,399.60 |
| Scotland, no pension, no loanScottish income tax bands | £3,246.33 | £1,314.40 | £0.00 | £0.00 | £2,036.61 | £24,439.27 |
| Rest of UK + Plan 29% above £29,385 | £3,286.00 | £1,314.40 | £0.00 | £0.00 | £2,033.30 | £24,399.60 |
| Rest of UK + Plan 59% above £25,000 | £3,286.00 | £1,314.40 | £360.00 | £0.00 | £2,003.30 | £24,039.60 |
| Rest of UK + Plan 2 + PostgraduatePGL at 6% above £21,000 | £3,286.00 | £1,314.40 | £480.00 | £0.00 | £1,993.30 | £23,919.60 |
| Rest of UK + 5% salary sacrificeReduces tax, NI and loan bases | £2,996.00 | £1,198.40 | £0.00 | £1,450.00 | £1,946.30 | £23,355.60 |
| Rest of UK + 5% net-pay (qualifying earnings)AE-style: LEL–UEL band | £3,063.08 | £1,314.40 | £0.00 | £1,114.60 | £1,958.99 | £23,507.92 |
£29,000 in Scotland
The same £29,000 salary in Scotland for 2026/27 takes home £24,439.27 a year — £39.67 more than in England, Wales or Northern Ireland — because Scottish income tax bands differ above the personal allowance. National Insurance is the same across the UK. At this level the gap is small; it widens sharply once pay crosses the Scottish higher-rate threshold (£43,663).
What does £2,033.30 a month cover?
£2,033.30 a month (from a £29,000 salary) clears the rent on a two-bed in most of the UK or a decent one-bed in outer London, and leaves a meaningful amount for transport, food and saving.
Using a common 4.5× gross multiple, that is in the region of a £130,500 mortgage — enough for a modest starter flat or house outside the South East, though regional prices vary enormously.
This is the level where a pension contribution or a student loan repayment starts to be a real trade-off against housing costs, which is exactly what the calculator above lets you model.
Mortgage illustration uses 4.5× gross (£130,500) — lender affordability rules vary; not advice.
Jobs that pay around £29,000
- Nurse (Band 5) — typical advertised range £29,700–£34,000
- Police constable — typical advertised range £29,000–£43,000
- Carpenter — typical advertised range £28,000–£38,000
- Retail manager — typical advertised range £26,000–£38,000
- Office manager — typical advertised range £27,000–£39,000
- Administrative assistant — typical advertised range £22,000–£28,000
Compare nearby salaries
£29,000 after tax — FAQs
How much is £29,000 after tax?
In 2026/27, a £29,000 salary in England, Wales or Northern Ireland takes home £24,399.60 a year (£2,033.30 a month) after income tax of £3,286.00 and employee National Insurance of £1,314.40, assuming no pension and no student loan. These are the headline figures shown on this page.
What is £29,000 take-home pay per month?
Monthly take-home on £29,000 for 2026/27 is £2,033.30 (£24,399.60 a year). That is before pension contributions and student loan repayments — use the calculator above to add either.
Is £29,000 a good salary?
£29,000 is a reasonable income in the UK for 2026/27, taking home £2,033.30 a month. Whether it is "good" depends on location and household size — £34,000 would take home more per month, but the gap narrows at higher bands because of the marginal tax rates shown on this page.
How does a Plan 5 student loan affect £29,000 take-home?
With a Plan 5 student loan, £29,000 take-home for 2026/27 falls to £24,039.60 a year (£2,003.30 a month) — a deduction of £360.00. Plan 5 repayments are 9% of income above £25,000 and started from April 2026.
How this figure is calculated
- Gross
- £29,000
- Personal allowance
- £12,570.00
- Taxable income
- £16,430.00
- Income tax
- £3,286.00
- Employee NI
- £1,314.40
- Take-home
- £24,399.60
£29,000 uses the 2026/27 personal allowance (£12,570), the basic rate band (£37,700 of taxable income at 20%) and employee National Insurance (8% between £12,570 and £50,270, 2% above) for England, Wales and Northern Ireland. Scotland uses the six Scottish income tax bands. Monthly take-home is the annual figure divided by 12; weekly uses the 52-week year. Full sources and rounding rules: methodology.
Last updated: 2026-04-06 · Source: GOV.UK rates and thresholds (2026 to 2027)