UK Graduate Take Calculator 2026 | Free UK Tool

On a £30,000 salary in 2026/27 with a standard 1257L tax code and no student loan, your monthly take-home pay is approximately £2,093 (£25,117/yr after tax and NI). With a Plan 5 student loan (£25,000 threshold), you'd repay ~£37.50/month extra, reducing take-home to approximately £2,055/month. With a Plan 2 loan (£29,385 threshold), student loan deductions would be just ~£4.61/month.

Employee National Insurance (Class 1) is charged at 8% on earnings between £12,570 and £50,270, and 2% on anything above. On a £28,000 salary, you'd pay approximately 8% × (£28,000 − £12,570) = 8% × £15,430 = £1,234/yr in NI contributions.

Yes. Student loan repayments are collected alongside PAYE income tax and National Insurance through your payslip — they are separate deductions but happen simultaneously. On a £35,000 salary with Plan 5 student loan, you might see income tax of ~£289/mo, NI of ~£147/mo, and student loan of ~£75/mo all deducted together.

The Personal Allowance remains frozen at £12,570 for 2026/27 — the same as it has been since 2021/22 due to the government's allowance freeze. This means you pay zero income tax on the first £12,570 you earn in the tax year.

For a typical graduate earning £28,000–£35,000 in 2026/27, take-home pay (after income tax and NI only, no pension or student loan) is typically around 82–86% of gross salary. Add student loan repayments and pension and you're closer to 75–80%. The effective rate improves slightly at lower salaries due to the personal allowance.