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Take-home pay · 2026/27

£30,000 after tax

£2,093a month take-home on £30,000 a year, with no student loan or pension. That’s £483 a week, or £25,120 a year.
£30,000 a yearNo student loanPlan 2Plan 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.

84%of your gross pay you keep, with no student loan or pension.
£15.38an hour before tax, if you work 37.5 hours a week all year.
£720of the next £1,000 you earn would reach your account.

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).

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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.