£29,000 after tax
Take-home pay
£24,401.40
On a salary of £29,000 (29k) you take home £24,401.40 a year in the 2026/27 tax year. That is £2,033.45 a month or £469.26 a week.
Calculators
Take-home pay
What you keep after tax, National Insurance, student loan and pension.
e.g. £40,000 salaryPro rata
Your salary for part-time hours, and what you take home from it.
On a salary of £29,000 you take home £24,401.40 a year after income tax and National Insurance. This salary sits just below two lines: the Plan 2 student loan threshold and the salary where Scottish taxpayers start to pay the intermediate rate.
| Pay period | England, Wales and Northern Ireland | Scotland |
|---|---|---|
| A year | £24,401.40 | £24,441.07 |
| A month | £2,033.45 | £2,036.76 |
| A week | £469.26 | £470.02 |
| A working day | £93.85 | £94 |
| An hour (37.5 hours a week) | £12.51 | £12.53 |
| Pay or deduction | Amount |
|---|---|
| Salary | £29,000 |
| Income tax | £3,284.20 |
| National Insurance | £1,314.40 |
| Take-home pay | £24,401.40 |
How this was worked out
- Salary: £29,000
- Personal allowance: £12,570. Payroll applies it as tax code 1257L, which gives £12,579 of tax-free pay.
- Taxable income: £29,000 − £12,579 = £16,421
- Basic rate: £16,421 × 20% = £3,284.20
- Income tax: £3,284.20
- National Insurance: (£29,000 − £12,570) × 8% = £1,314.40
- Take-home pay: £29,000 − £3,284.20 − £1,314.40 = £24,401.40
Deductions from £29,000
Your taxable income on £29,000 is £16,421, and the basic rate turns that into £3,284.20 of income tax. National Insurance is £1,314.40. What is left comes to £2,033.45 a month or £12.51 an hour on a working week of 37.5 hours.
The higher rate starts above £50,279, so a raise from £29,000 is taxed at the basic rate and adds £720 for each extra thousand pounds.
Your employer pays £3,600 in employer National Insurance for a £29,000 salary. That payment comes on top of your salary and leaves your take-home of £24,401.40 unchanged.
Just under two thresholds
Plan 2 repayments start above £29,385, so a Plan 2 borrower on £29,000 still repays £0. Plan 1 already takes £189 and Plan 5 takes £360 at this salary, and the postgraduate loan takes £480.
In Scotland, £29,000 is still below the point where the intermediate rate of 21% begins, which is above £29,535. A Scottish taxpayer here keeps £24,441.07, which is £39.67 more than the rest of the UK, and has the same marginal rate of 28%. The page for a thousand pounds more shows both lines crossed.
A five per cent pension on £29,000
Salary sacrifice at five per cent brings take-home on £29,000 down to £23,357.40, a cost of £1,044 a year. A net pay or relief at source pension leaves £23,241.40. Salary sacrifice keeps £116 more than the other two schemes on £29,000, because it also cuts National Insurance. The take-home pay calculator works out other rates and loan plans together.
| Plan | Repayment a year | Take-home a year |
|---|---|---|
| Plan 1 | £189 | £24,212.40 |
| Plan 2 | £0 | £24,401.40 |
| Plan 4 (Scotland) | £0 | £24,441.07 |
| Plan 5 | £360 | £24,041.40 |
| Postgraduate loan | £480 | £23,921.40 |
| Type of scheme | Take-home a year |
|---|---|
| Salary sacrifice | £23,357.40 |
| Net pay | £23,241.40 |
| Relief at source | £23,241.40 |
Try other figures in the take-home pay calculator.
Questions
How much is £29,000 a week after tax?
The weekly take-home on £29,000 is £469.26. In Scotland the weekly figure is £470.02, a little higher because of the starter rate.
Do I pay Plan 2 on £29,000?
No. Your salary of £29,000 is below the Plan 2 threshold of £29,385, so the Plan 2 deduction for the year is £0.
How does £29,000 compare with the median?
It is £10,039 less than the median full-time salary in April 2025, which was £39,039. A salary of £29,000 sits in the lower half of full-time pay.
Other salaries
- £27,500 after tax
- £28,000 after tax
- £28,500 after tax
- £29,500 after tax
- £30,000 after tax
- £31,000 after tax
These are whole-year estimates for 2026/27, with category A National Insurance and a tax code based on the allowance available at this income. The England, Wales and Northern Ireland baseline has no pension contribution or student loan; Scotland is shown separately. The full statutory Personal Allowance is £12,570. The tax code used for this estimate gives £12,579 of annual PAYE free pay, including any reduction in the allowance due to income. This is the payroll amount used in the calculation. Annual totals and rounded monthly or weekly figures can differ by pennies.