Take-home pay · 2026/27
£30,000 after tax
| £30,000 a year | No student loan | Plan 2 | Plan 5 |
|---|---|---|---|
| Gross pay | £30,000 £2,500/mo | £30,000 £2,500/mo | £30,000 £2,500/mo |
| Income tax | £3,486 £290/mo | £3,486 £290/mo | £3,486 £290/mo |
| National Insurance | £1,394 £116/mo | £1,394 £116/mo | £1,394 £116/mo |
| Student loan | £0 £0/mo | £55 £5/mo | £450 £38/mo |
| Take-home | £25,120 £2,093/mo | £25,064 £2,089/mo | £24,670 £2,056/mo |
TL;DROut of every £100 you earn, about £84 reaches your account — or £82 with a Plan 5 student loan.
TL;DRA £1,000 pay rise would add about £60 a month to your take-home.
This is above full-time National Living Wage pay (£24,785) and below the UK median full-time salary (about £42,182).
Your 5-minute move
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See what’s actually left after the essentials, using your own numbers.
Small print
2026/27 income tax and National Insurance for England, Wales and Northern Ireland (Scotland’s income tax bands differ), standard 1257L tax code, employee Class 1 NI. Plan 2 repayments are 9% above £29,385 and Plan 5 9% above £25,000. Pension contributions, salary sacrifice, benefits in kind and other deductions are not included. General information, not financial advice.