See what you really take home from a UK salary after Income Tax, National Insurance, student loan and pension, using the official HMRC rates for the 2026/27 tax year.

How this is worked out
  • Personal Allowance: £12,570 tax-free, reduced by £1 for every £2 earned over £100,000.
  • England, Wales and NI: 20% up to £50,270, 40% up to £125,140, 45% above.
  • Scotland: 19%, 20%, 21%, 42%, 45% and 48% bands.
  • National Insurance: 8% between £12,570 and £50,270, 2% above.
  • Student loans: 9% above £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4), £25,000 (Plan 5); 6% above £21,000 (Postgraduate).
  • Pension: treated as a workplace pension taken before tax (net pay arrangement). Salary sacrifice also lowers National Insurance.

Assumes a standard 1257L tax code and no other income or benefits.

For information only. Rates from GOV.UK and HMRC rates and thresholds 2026 to 2027. Your payslip may differ slightly because payroll works per pay period.

Frequently asked questions

What are the income tax rates for 2026/27?

In England, Wales and Northern Ireland the first £12,570 is tax-free, then 20% up to £50,270, 40% up to £125,140 and 45% above. Scotland has six bands from 19% to 48%.

How much National Insurance do employees pay in 2026/27?

8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270.

When do I start repaying my student loan?

In 2026/27 you repay 9% of income above £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) or £25,000 (Plan 5), and 6% above £21,000 for a Postgraduate Loan.