Pay and tax guides

How UK tax, National Insurance, student loans and pensions affect what you actually take home, in plain English.

The 60% tax trapWhy £100k to £125,140 is taxed at 60%, and how to avoid it.Scotland vs England taxWho pays more, at every salary.Student loan repaymentsMonthly repayments by salary, for every plan.Salary sacrifice explainedHow it saves tax and NI, with examples.Minimum wage take-home pay£12.71 an hour after tax, full and part time.

Tools

Take-home pay calculatorYour monthly pay after tax, NI, student loan and pension.Pay rise calculatorHow much of a rise you actually keep.Hourly pay calculatorHourly rates, part-time and overtime.2026/27 tax ratesAll the bands and thresholds.