UK take-home pay, 2026/27
Income tax, National Insurance, pension and student loans for the current tax year (6 April 2026 to 5 April 2027). Nothing is uploaded: the numbers stay in this browser tab.
Your pay
Student loans
Repayments are 9% of pay above the threshold for Plans 1, 2, 4 and 5, and 6% above £21,000 for a Postgraduate Loan. Plans stack: an undergraduate plan and a postgraduate loan are deducted at the same time.
Breakdown
| Item | Year | Month | Week |
|---|
Student loan plans
Tick every plan you are repaying. Add an outstanding balance to see how long it takes to clear, or set a manual amount to override the calculated deduction.
Tax and pay basis
Pension and National Insurance
Rates and thresholds in use
Sources: HM Treasury and House of Commons Library rates and allowances for 2026/27, the Scottish Budget technical factsheet, and the confirmed student loan repayment thresholds. Income tax and NI thresholds are frozen at 2025/26 levels; the personal allowance stays at £12,570 and tapers away above £100,000.
This is an estimate. It annualises everything, while a real payslip works out NI and student loans period by period and rounds down to whole pounds, so a monthly figure can differ by a pound or two. It does not model taxable benefits in kind, the High Income Child Benefit Charge, or partial-year starters and leavers.