UK Tax and Salary Guides

Short, plain-English explanations of what comes out of your pay.

• UK Income Tax Bands and Rates 2026/27

  Income Tax rates, bands and the Personal Allowance for England, Wales, Northern Ireland and Scotland in 2026/27.

• National Insurance Explained 2026/27

  Employee and employer National Insurance rates and thresholds for 2026/27, with worked examples.

• Student Loan Repayment Thresholds 2026/27

  How much you repay on Plan 1, 2, 4, 5 and Postgraduate Loans in 2026/27, with examples.

• Salary Sacrifice vs Net Pay Pension: Which Saves More?

  How salary sacrifice and net pay pension schemes affect your Income Tax, National Insurance and take-home pay.