Question 1

How is take home pay calculated in the UK?

Accepted Answer

Your take home pay is your gross salary minus income tax, National Insurance contributions, student loan repayments, and pension contributions.

Question 2

What is the personal allowance for 2026/27?

Accepted Answer

The personal allowance for the 2026/27 tax year is £12,570. You don't pay income tax on earnings below this amount.

Question 3

How does Scottish income tax differ from the rest of the UK?

Accepted Answer

Scotland has its own income tax rates with six bands (starter, basic, intermediate, higher, advanced, and top rate) compared to three bands in England, Wales, and Northern Ireland.

Question 4

What student loan plan am I on?

Accepted Answer

Plan 1 is for loans taken before September 2012 in England/Wales or in Scotland/NI. Plan 2 is for loans after September 2012 in England/Wales. Plan 4 is for Scottish loans after 1998. Plan 5 is for loans after 2023.

Question 5

Is my salary data stored?

Accepted Answer

No. All calculations happen locally in your browser. No personal data is sent to our servers.

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