Your take-home payfrom April 2027.
Work out what lands in your bank account from April 2027, using the rates as they stand after the Budget on 28 October 2026. Built for employees in England, Wales and Northern Ireland.
The 2027/28 figures we use
| Item | 2027/28 |
|---|---|
| Personal Allowance | £12,570 |
| Personal Allowance reduced by £1 for every £2 of adjusted net income over | £100,000 |
| Basic rate 20%, on taxable income up to | £37,700 |
| Higher rate 40%, which starts (with the standard Personal Allowance) at | £50,270 |
| Additional rate 45%, on taxable income over | £125,140 |
| Employee National Insurance 8%, on earnings between | £12,570 and £50,270 |
| Employee National Insurance 2%, on earnings over | £50,270 |
| Lower Earnings Limit (doesn't change take-home pay) | £6,916 |
| Student loan Plan 1, 9% over | £28,005 |
| Student loan Plan 2, 9% over | £29,385 |
| Student loan Plan 4, 9% over | £33,795 |
| Student loan Plan 5, 9% over | £25,000 |
| Postgraduate loan, 6% over | £21,000 |
| Blind Person's Allowance | £3,250 |
The Plan 1 threshold rises to £28,005 from April 2027, Plan 2 stays frozen at £29,385, and the postgraduate loan threshold stays at £21,000. The 2027/28 figures for Plan 4, Plan 5 and Blind Person's Allowance haven't been published yet, so we use the 2026/27 figures from GOV.UK. The 2027/28 figures may be different. The Personal Allowance and the main National Insurance thresholds are frozen until April 2031.
How we work it out
- We take your salary as a yearly figure. Monthly is the year divided by 12 and weekly is the year divided by 52.
- Income tax uses your tax code. With 1257L, or no code, we use the standard Personal Allowance of £12,570. If your adjusted net income is over £100,000, the allowance goes down by £1 for every £2 over, until it reaches nothing at £125,140. For most employees, adjusted net income is your salary less pension contributions and Gift Aid.
- Your employer's payroll only reduces your allowance once HMRC changes your tax code. Until then, you may pay too little tax through your payslip and owe the difference later.
- With any other tax code, we use the allowance in the code.
- National Insurance and student loans are worked out on your pay after any salary sacrifice, but before other pension contributions.
- If you have more than one undergraduate plan, you repay 9% above the lowest threshold. A postgraduate loan is repaid at the same time, at 6%.
- Pension percentages are applied to your full salary. Some schemes only use part of your pay, so check your payslip.
- Your employer's payroll works out each payday separately and rounds student loan repayments down to whole pounds, so your payslip may differ slightly from these figures.
Before you rely on it
This is an estimate to help you plan. It isn't tax or financial advice. It doesn't include benefits in kind, bonuses, overtime, other income, Marriage Allowance (unless it's already in your tax code) or Scottish income tax.
If your tax code looks wrong, HMRC can correct it. You can check it in the HMRC app or your personal tax account.
Sources
- GOV.UK: Budget 2026, Overview of tax legislation and rates (OOTLAR)
- GOV.UK: Personal Allowance, basic rate limit and NI thresholds, 2026 to 2028
- GOV.UK: Employer Bulletin April 2026 (student loan thresholds)
- GOV.UK: Student loan repayment threshold announcement, August 2026
- GOV.UK: Income Tax rates and allowances
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