Pay / UK / 2026 to 2027 tax year
What you'll take home.
Your pay after Income Tax, National Insurance, student loan and pension, using this tax year's rates from GOV.UK.
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Source: Income Tax, National Insurance and student loan rates (GOV.UK) Rates for 2026 to 2027. Checked
- This assumes a standard tax code (1257L), pay that's the same every month, and no other income, benefits in kind or tax reliefs such as Marriage Allowance. Check your payslip or HMRC's app for your own tax code.
- National Insurance is for most employees (category A) under State Pension age. Student loan repayments are 9% of pay over your plan's threshold (6% for a Postgraduate Loan), worked out each month.
- Pension contributions are a percentage of your whole salary. Some workplace schemes only take them on pay above a lower limit, so yours may be a little less.
- Scottish rates apply if your main home is in Scotland, wherever you work. Wales currently has the same rates as England.
2026 to 2027 rates.
| Band | Yearly income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Band | Yearly income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
| Plan | Yearly threshold | Rate |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate Loan | £21,000 | 6% |
Your Personal Allowance goes down by £1 for every £2 of income over £100,000, so it's gone at £125,140. Employee National Insurance is 8% on pay between £1,048 and £4,189 a month, and 2% above that.
Data sources
- Income Tax, National Insurance and student loan rates (GOV.UK). Contains public sector information licensed under the Open Government Licence v3.0.