What's Inside
A comprehensive, plain-English guide to UK income tax, National Insurance and salary planning for the 2026/27 tax year. Written by finance professionals for employees, contractors and anyone who wants to understand their payslip.
- 2026/27 income tax bands and NI rates explained clearly
- Take-home pay table for salaries from £20,000 to £100,000
- Pension and salary sacrifice — how to keep more of what you earn
- The 60% tax trap between £100k–£125k and how to avoid it
- Student loan repayment thresholds for Plans 1, 2 and 5
- How to negotiate a real-terms pay rise in 2026
Contents at a Glance
2026/27 Tax Rates
Income tax bands, NI rates and thresholds at a glance
Income tax bands, NI rates and thresholds at a glance
Take-Home Pay Table
Monthly net pay for £20k–£100k salaries
Monthly net pay for £20k–£100k salaries
Pension Strategy
Salary sacrifice, tax relief and the £60,000 annual allowance
Salary sacrifice, tax relief and the £60,000 annual allowance
The 60% Trap
What it is, who it affects and how to escape it
What it is, who it affects and how to escape it
Student Loan Guide
Repayment thresholds and how they affect take-home pay
Repayment thresholds and how they affect take-home pay
Salary Negotiation
Beyond the number — benefits worth more than cash
Beyond the number — benefits worth more than cash
Free Calculators
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✓ Instant download
✓ Updated 2026/27
✓ Built by finance professionals