Using the table below view your Monthly Salary Take home pay calculated after deductions of Tax, National Insurance and Student Loan (Plan 1).
If you started your Course on or Before 1st September 2012, or you lived in Northern Ireland your loan will be repaid through Plan 1.
If your course started on or after September 2012 and you lived in England or Wales, you will repay your loan through Plan 2.
2023/2024 Income Tax Rates and Personal Allowances
You do not get a Personal Allowance on taxable income over £125,140.
| Band | Taxable income | Tax rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | over £125,140 | 45% |
2023/2024 Take home Pay After Student Loan Payments Plan 1
| Annual Salary | Tax | National Insurance | Student Loan | Annual Take Home | Take Home Monthly | |
| 5,000.00 | 0.00 | 0.00 | 0 | 5,000.00 | 416.67 | |
| 10,000.00 | 0.00 | 0.00 | 0 | 10,000.00 | 833.33 | |
| 11,000.00 | 0.00 | 0.00 | 0 | 11,000.00 | 916.67 | |
| 12,000.00 | 0.00 | 0.00 | 0 | 12,000.00 | 1,000.00 | |
| 13,000.00 | 86.00 | 51.60 | 0 | 12,862.40 | 1,071.87 | |
| 14,000.00 | 286.00 | 171.60 | 0 | 13,542.40 | 1,128.53 | |
| 15,000.00 | 486.00 | 291.60 | 0 | 14,222.40 | 1,185.20 | |
| 16,000.00 | 686.00 | 411.60 | 0 | 14,902.40 | 1,241.87 | |
| 17,000.00 | 886.00 | 531.60 | 0 | 15,582.40 | 1,298.53 | |
| 18,000.00 | 1,086.00 | 651.60 | 0 | 16,262.40 | 1,355.20 | |
| 19,000.00 | 1,286.00 | 771.60 | 0 | 16,942.40 | 1,411.87 | |
| 20,000.00 | 1,486.00 | 891.60 | 0 | 17,622.40 | 1,468.53 | |
| 21,000.00 | 1,686.00 | 1,011.60 | 0 | 18,302.40 | 1,525.20 | |
| 22,000.00 | 1,886.00 | 1,131.60 | 0 | 18,982.40 | 1,581.87 | |
| 23,000.00 | 2,086.00 | 1,251.60 | 84 | 19,578.40 | 1,631.53 | |
| 24,000.00 | 2,286.00 | 1,371.60 | 168 | 20,174.40 | 1,681.20 | |
| 25,000.00 | 2,486.00 | 1,491.60 | 264 | 20,758.40 | 1,729.87 | |
| 26,000.00 | 2,686.00 | 1,611.60 | 348 | 21,354.40 | 1,779.53 | |
| 27,000.00 | 2,886.00 | 1,731.60 | 444 | 21,938.40 | 1,828.20 | |
| 28,000.00 | 3,086.00 | 1,851.60 | 528 | 22,534.40 | 1,877.87 | |
| 29,000.00 | 3,286.00 | 1,971.60 | 624 | 23,118.40 | 1,926.53 | |
| 30,000.00 | 3,486.00 | 2,091.60 | 708 | 23,714.40 | 1,976.20 | |
| 31,000.00 | 3,686.00 | 2,211.60 | 804 | 24,298.40 | 2,024.87 | |
| 32,000.00 | 3,886.00 | 2,331.60 | 888 | 24,894.40 | 2,074.53 | |
| 33,000.00 | 4,086.00 | 2,451.60 | 984 | 25,478.40 | 2,123.20 | |
| 34,000.00 | 4,286.00 | 2,571.60 | 1,068.00 | 26,074.40 | 2,172.87 | |
| 35,000.00 | 4,486.00 | 2,691.60 | 1,164.00 | 26,658.40 | 2,221.53 | |
| 36,000.00 | 4,686.00 | 2,811.60 | 1,248.00 | 27,254.40 | 2,271.20 | |
| 37,000.00 | 4,886.00 | 2,931.60 | 1,344.00 | 27,838.40 | 2,319.87 | |
| 38,000.00 | 5,086.00 | 3,051.60 | 1,428.00 | 28,434.40 | 2,369.53 | |
| 39,000.00 | 5,286.00 | 3,171.60 | 1,524.00 | 29,018.40 | 2,418.20 | |
| 40,000.00 | 5,486.00 | 3,291.60 | 1,608.00 | 29,614.40 | 2,467.87 | |
| 41,000.00 | 5,686.00 | 3,411.60 | 1,704.00 | 30,198.40 | 2,516.53 | |
| 42,000.00 | 5,886.00 | 3,531.60 | 1,788.00 | 30,794.40 | 2,566.20 | |
| 43,000.00 | 6,086.00 | 3,651.60 | 1,884.00 | 31,378.40 | 2,614.87 | |
| 44,000.00 | 6,286.00 | 3,771.60 | 1,968.00 | 31,974.40 | 2,664.53 | |
| 45,000.00 | 6,486.00 | 3,891.60 | 2,064.00 | 32,558.40 | 2,713.20 | |
| 46,000.00 | 6,686.00 | 4,011.60 | 2,148.00 | 33,154.40 | 2,762.87 | |
| 47,000.00 | 6,886.00 | 4,131.60 | 2,244.00 | 33,738.40 | 2,811.53 | |
| 48,000.00 | 7,086.00 | 4,251.60 | 2,328.00 | 34,334.40 | 2,861.20 | |
| 49,000.00 | 7,286.00 | 4,371.60 | 2,424.00 | 34,918.40 | 2,909.87 | |
| 50,000.00 | 7,486.00 | 4,491.60 | 2,508.00 | 35,514.40 | 2,959.53 | |
| 51,000.00 | 7,832.00 | 4,538.60 | 2,604.00 | 36,025.40 | 3,002.12 | |
| 52,000.00 | 8,232.00 | 4,558.60 | 2,688.00 | 36,521.40 | 3,043.45 | |
| 53,000.00 | 8,632.00 | 4,578.60 | 2,784.00 | 37,005.40 | 3,083.78 | |
| 54,000.00 | 9,032.00 | 4,598.60 | 2,868.00 | 37,501.40 | 3,125.12 | |
| 55,000.00 | 9,432.00 | 4,618.60 | 2,964.00 | 37,985.40 | 3,165.45 | |
| 56,000.00 | 9,832.00 | 4,638.60 | 3,048.00 | 38,481.40 | 3,206.78 | |
| 57,000.00 | 10,232.00 | 4,658.60 | 3,144.00 | 38,965.40 | 3,247.12 | |
| 58,000.00 | 10,632.00 | 4,678.60 | 3,228.00 | 39,461.40 | 3,288.45 | |
| 59,000.00 | 11,032.00 | 4,698.60 | 3,324.00 | 39,945.40 | 3,328.78 | |
| 60,000.00 | 11,432.00 | 4,718.60 | 3,408.00 | 40,441.40 | 3,370.12 | |
| 61,000.00 | 11,832.00 | 4,738.60 | 3,504.00 | 40,925.40 | 3,410.45 | |
| 62,000.00 | 12,232.00 | 4,758.60 | 3,588.00 | 41,421.40 | 3,451.78 | |
| 63,000.00 | 12,632.00 | 4,778.60 | 3,684.00 | 41,905.40 | 3,492.12 | |
| 64,000.00 | 13,032.00 | 4,798.60 | 3,768.00 | 42,401.40 | 3,533.45 | |
| 65,000.00 | 13,432.00 | 4,818.60 | 3,864.00 | 42,885.40 | 3,573.78 | |
| 66,000.00 | 13,832.00 | 4,838.60 | 3,948.00 | 43,381.40 | 3,615.12 | |
| 67,000.00 | 14,232.00 | 4,858.60 | 4,044.00 | 43,865.40 | 3,655.45 | |
| 68,000.00 | 14,632.00 | 4,878.60 | 4,128.00 | 44,361.40 | 3,696.78 | |
| 69,000.00 | 15,032.00 | 4,898.60 | 4,224.00 | 44,845.40 | 3,737.12 | |
| 70,000.00 | 15,432.00 | 4,918.60 | 4,308.00 | 45,341.40 | 3,778.45 | |
| 71,000.00 | 15,832.00 | 4,938.60 | 4,404.00 | 45,825.40 | 3,818.78 | |
| 72,000.00 | 16,232.00 | 4,958.60 | 4,488.00 | 46,321.40 | 3,860.12 | |
| 73,000.00 | 16,632.00 | 4,978.60 | 4,584.00 | 46,805.40 | 3,900.45 | |
| 74,000.00 | 17,032.00 | 4,998.60 | 4,668.00 | 47,301.40 | 3,941.78 | |
| 75,000.00 | 17,432.00 | 5,018.60 | 4,764.00 | 47,785.40 | 3,982.12 | |
| 76,000.00 | 17,832.00 | 5,038.60 | 4,848.00 | 48,281.40 | 4,023.45 | |
| 77,000.00 | 18,232.00 | 5,058.60 | 4,944.00 | 48,765.40 | 4,063.78 | |
| 78,000.00 | 18,632.00 | 5,078.60 | 5,028.00 | 49,261.40 | 4,105.12 | |
| 79,000.00 | 19,032.00 | 5,098.60 | 5,124.00 | 49,745.40 | 4,145.45 | |
| 80,000.00 | 19,432.00 | 5,118.60 | 5,208.00 | 50,241.40 | 4,186.78 | |
| 81,000.00 | 19,832.00 | 5,138.60 | 5,304.00 | 50,725.40 | 4,227.12 | |
| 82,000.00 | 20,232.00 | 5,158.60 | 5,388.00 | 51,221.40 | 4,268.45 | |
| 83,000.00 | 20,632.00 | 5,178.60 | 5,484.00 | 51,705.40 | 4,308.78 | |
| 84,000.00 | 21,032.00 | 5,198.60 | 5,568.00 | 52,201.40 | 4,350.12 | |
| 85,000.00 | 21,432.00 | 5,218.60 | 5,664.00 | 52,685.40 | 4,390.45 | |
| 86,000.00 | 21,832.00 | 5,238.60 | 5,748.00 | 53,181.40 | 4,431.78 | |
| 87,000.00 | 22,232.00 | 5,258.60 | 5,844.00 | 53,665.40 | 4,472.12 | |
| 88,000.00 | 22,632.00 | 5,278.60 | 5,928.00 | 54,161.40 | 4,513.45 | |
| 89,000.00 | 23,032.00 | 5,298.60 | 6,024.00 | 54,645.40 | 4,553.78 | |
| 90,000.00 | 23,432.00 | 5,318.60 | 6,108.00 | 55,141.40 | 4,595.12 | |
| 91,000.00 | 23,832.00 | 5,338.60 | 6,204.00 | 55,625.40 | 4,635.45 | |
| 92,000.00 | 24,232.00 | 5,358.60 | 6,288.00 | 56,121.40 | 4,676.78 | |
| 93,000.00 | 24,632.00 | 5,378.60 | 6,384.00 | 56,605.40 | 4,717.12 | |
| 94,000.00 | 25,032.00 | 5,398.60 | 6,468.00 | 57,101.40 | 4,758.45 | |
| 95,000.00 | 25,432.00 | 5,418.60 | 6,564.00 | 57,585.40 | 4,798.78 | |
| 96,000.00 | 25,832.00 | 5,438.60 | 6,648.00 | 58,081.40 | 4,840.12 | |
| 97,000.00 | 26,232.00 | 5,458.60 | 6,744.00 | 58,565.40 | 4,880.45 | |
| 98,000.00 | 26,632.00 | 5,478.60 | 6,828.00 | 59,061.40 | 4,921.78 | |
| 99,000.00 | 27,032.00 | 5,498.60 | 6,924.00 | 59,545.40 | 4,962.12 | |
| 100,000.00 | 27,432.00 | 5,518.60 | 7,008.00 | 60,041.40 | 5,003.45 | |
| 101,000.00 | 28,032.00 | 5,538.60 | 7,104.00 | 60,325.40 | 5,027.12 | |
| 102,000.00 | 28,632.00 | 5,558.60 | 7,188.00 | 60,621.40 | 5,051.78 | |
| 103,000.00 | 29,232.00 | 5,578.60 | 7,284.00 | 60,905.40 | 5,075.45 | |
| 104,000.00 | 29,832.00 | 5,598.60 | 7,368.00 | 61,201.40 | 5,100.12 | |
| 105,000.00 | 30,432.00 | 5,618.60 | 7,464.00 | 61,485.40 | 5,123.78 | |
| 106,000.00 | 31,032.00 | 5,638.60 | 7,548.00 | 61,781.40 | 5,148.45 | |
| 107,000.00 | 31,632.00 | 5,658.60 | 7,644.00 | 62,065.40 | 5,172.12 | |
| 108,000.00 | 32,232.00 | 5,678.60 | 7,728.00 | 62,361.40 | 5,196.78 | |
| 109,000.00 | 32,832.00 | 5,698.60 | 7,824.00 | 62,645.40 | 5,220.45 | |
| 110,000.00 | 33,432.00 | 5,718.60 | 7,908.00 | 62,941.40 | 5,245.12 | |
| 111,000.00 | 34,032.00 | 5,738.60 | 8,004.00 | 63,225.40 | 5,268.78 | |
| 112,000.00 | 34,632.00 | 5,758.60 | 8,088.00 | 63,521.40 | 5,293.45 | |
| 113,000.00 | 35,232.00 | 5,778.60 | 8,184.00 | 63,805.40 | 5,317.12 | |
| 114,000.00 | 35,832.00 | 5,798.60 | 8,268.00 | 64,101.40 | 5,341.78 | |
| 115,000.00 | 36,432.00 | 5,818.60 | 8,364.00 | 64,385.40 | 5,365.45 | |
| 116,000.00 | 37,032.00 | 5,838.60 | 8,448.00 | 64,681.40 | 5,390.12 | |
| 117,000.00 | 37,632.00 | 5,858.60 | 8,544.00 | 64,965.40 | 5,413.78 | |
| 118,000.00 | 38,232.00 | 5,878.60 | 8,628.00 | 65,261.40 | 5,438.45 | |
| 119,000.00 | 38,832.00 | 5,898.60 | 8,724.00 | 65,545.40 | 5,462.12 | |
| 120,000.00 | 39,432.00 | 5,918.60 | 8,808.00 | 65,841.40 | 5,486.78 | |
| 121,000.00 | 40,032.00 | 5,938.60 | 8,904.00 | 66,125.40 | 5,510.45 | |
| 122,000.00 | 40,632.00 | 5,958.60 | 8,988.00 | 66,421.40 | 5,535.12 | |
| 123,000.00 | 41,232.00 | 5,978.60 | 9,084.00 | 66,705.40 | 5,558.78 | |
| 124,000.00 | 41,832.00 | 5,998.60 | 9,168.00 | 67,001.40 | 5,583.45 | |
| 125,000.00 | 42,432.00 | 6,018.60 | 9,264.00 | 67,285.40 | 5,607.12 | |
| 126,000.00 | 42,903.00 | 6,038.60 | 9,348.00 | 67,710.40 | 5,642.53 | |
| 127,000.00 | 43,353.00 | 6,058.60 | 9,444.00 | 68,144.40 | 5,678.70 | |
| 128,000.00 | 43,803.00 | 6,078.60 | 9,528.00 | 68,590.40 | 5,715.87 | |
| 129,000.00 | 44,253.00 | 6,098.60 | 9,624.00 | 69,024.40 | 5,752.03 | |
| 130,000.00 | 44,703.00 | 6,118.60 | 9,708.00 | 69,470.40 | 5,789.20 | |
| 131,000.00 | 45,153.00 | 6,138.60 | 9,804.00 | 69,904.40 | 5,825.37 | |
| 132,000.00 | 45,603.00 | 6,158.60 | 9,888.00 | 70,350.40 | 5,862.53 | |
| 133,000.00 | 46,053.00 | 6,178.60 | 9,984.00 | 70,784.40 | 5,898.70 | |
| 134,000.00 | 46,503.00 | 6,198.60 | 10,068.00 | 71,230.40 | 5,935.87 | |
| 135,000.00 | 46,953.00 | 6,218.60 | 10,164.00 | 71,664.40 | 5,972.03 | |
| 136,000.00 | 47,403.00 | 6,238.60 | 10,248.00 | 72,110.40 | 6,009.20 | |
| 137,000.00 | 47,853.00 | 6,258.60 | 10,344.00 | 72,544.40 | 6,045.37 | |
| 138,000.00 | 48,303.00 | 6,278.60 | 10,428.00 | 72,990.40 | 6,082.53 | |
| 139,000.00 | 48,753.00 | 6,298.60 | 10,524.00 | 73,424.40 | 6,118.70 | |
| 140,000.00 | 49,203.00 | 6,318.60 | 10,608.00 | 73,870.40 | 6,155.87 | |
| 141,000.00 | 49,653.00 | 6,338.60 | 10,704.00 | 74,304.40 | 6,192.03 | |
| 142,000.00 | 50,103.00 | 6,358.60 | 10,788.00 | 74,750.40 | 6,229.20 | |
| 143,000.00 | 50,553.00 | 6,378.60 | 10,884.00 | 75,184.40 | 6,265.37 | |
| 144,000.00 | 51,003.00 | 6,398.60 | 10,968.00 | 75,630.40 | 6,302.53 | |
| 145,000.00 | 51,453.00 | 6,418.60 | 11,064.00 | 76,064.40 | 6,338.70 | |
| 146,000.00 | 51,903.00 | 6,438.60 | 11,148.00 | 76,510.40 | 6,375.87 | |
| 147,000.00 | 52,353.00 | 6,458.60 | 11,244.00 | 76,944.40 | 6,412.03 | |
| 148,000.00 | 52,803.00 | 6,478.60 | 11,328.00 | 77,390.40 | 6,449.20 | |
| 149,000.00 | 53,253.00 | 6,498.60 | 11,424.00 | 77,824.40 | 6,485.37 | |
| 150,000.00 | 53,703.00 | 6,518.60 | 11,508.00 | 78,270.40 | 6,522.53 | |