{ "title": "UK take-home pay 2026/27 by salary (England, Wales and NI; Scotland)", "license": "CC BY 4.0 (cite: ClearPayslip, clearpayslip.com)", "assumptions": "One job on tax code 1257L, employment income only, Class 1 employee NI category A on an annual basis, no pension; student loan columns show repayments only", "updated": "2026-10-22", "sources": [ "https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027", "https://www.gov.uk/government/publications/rates-and-allowances-income-tax/income-tax-rates-and-allowances-current-and-past", "https://www.gov.uk/income-tax-rates/income-over-100000", "https://www.gov.scot/publications/scottish-income-tax-rates-and-bands/pages/2026-to-2027/", "https://www.gov.uk/government/publications/rates-and-allowances-national-insurance-contributions/rates-and-allowances-national-insurance-contributions", "https://www.gov.uk/repaying-your-student-loan/what-you-pay" ], "rows": [ { "region": "england_wales_ni", "gross_salary": 10000, "personal_allowance": 12570, "income_tax": 0, "national_insurance": 0, "take_home_annual": 10000, "take_home_monthly": 833.33, "plan2_repayment": 0, "plan5_repayment": 0, "average_tax_rate": 0, "marginal_rate": 0 }, { "region": "england_wales_ni", "gross_salary": 12500, "personal_allowance": 12570, "income_tax": 0, "national_insurance": 0, "take_home_annual": 12500, "take_home_monthly": 1041.67, "plan2_repayment": 0, "plan5_repayment": 0, "average_tax_rate": 0, "marginal_rate": 8.4 }, { "region": "england_wales_ni", "gross_salary": 15000, "personal_allowance": 12570, "income_tax": 486, "national_insurance": 194.4, "take_home_annual": 14319.6, "take_home_monthly": 1193.3, "plan2_repayment": 0, "plan5_repayment": 0, "average_tax_rate": 3.24, "marginal_rate": 28 }, { "region": "england_wales_ni", "gross_salary": 17500, "personal_allowance": 12570, "income_tax": 986, "national_insurance": 394.4, "take_home_annual": 16119.6, "take_home_monthly": 1343.3, "plan2_repayment": 0, 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