Circa 20,000/y rate of tax.

Employed? I think you're looking at roughly 22% tax and national insurance.

20000 x 0.78 = £15600, /12 = £1300 pm.

Your take home pay woiuld be around £1300 per month. Difficult to give exact figures as this would depend on your tax code but it is likely to be around that amount.

is it enough

i don't know, is it? you'll need to budget out your monthly outgoings: rent, council tax, bills, food, travel, social. if your income covers all that plus a wee bit more for some comics then you're sorted

listen to tax man dot com is a good calculator .

Just to confirm, with an annual salary of £20k/year assuming no other income or special circumstances you're looking at £1310.50/month take home.

When I was your age I did a couple of spreadsheets starting at monthly net pay and working out as many fixed outgoings as I could per month to see what I could afford to rent/buy. The single biggest expense, if you need to, will probably be motoring. It is astonishing how much running a car costs if you sit down and work it all out.

As Tom says, work out your outgoings. I would save SO much money if I still lived with my parents, but I think I would go mad :redface:

Don't be red faced at being at home with the folks. I've bounced back to mine several times now. I'm now nearing 30, and back living with my dad.

I'm back because I suffered an injury which led in a round about way to losing my job. I also split with my bloke, and my mam died around the same time. I'm now on a contract which is renewed every 3 months so I'm never a full employee. Being at home gives me flexibility to figure out where I'm going to go. It's allowing me to consider a business start up because there is a level of security and support here (my dad is a business owner, so I can ask him a lot of the standard questions and he can point me in the direction of a good accountant, etc). It also gives him a bit of support and family around him now he's lost his wife.

It's circumstancial and doesn't define me. I pay board over to him (actually there are set household things I pay which are counted as my board), my sister is also at home at the moment and does likewise. It's not ideal but it works for us at the moment.

I guess what I'm trying to say is, yes you can afford to live away, but think it through properly. You are likely to be on a 3 or 6 month trial - perhaps get that out of the way before you move out? Pay board during that time so you get used to paying out - homes are expensive. Save up regularly so you have a deposit, and a financial cushion, in case you need it.

Also when you move out consider flat/houseshares/renting a room to begin with. It's company and can work out cheaper to share.