Using the table below view your Monthly Salary Take home pay calculated after deductions of Tax, National Insurance and Student Loan (Plan 2)
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 2
| Annual Salary | Tax | National Insurance | Student Loan | Annual Take Home | Monthly Take Home | |
| 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 | 0 | 19,662.40 | 1,638.53 | |
| 24,000.00 | 2,286.00 | 1,371.60 | 0 | 20,342.40 | 1,695.20 | |
| 25,000.00 | 2,486.00 | 1,491.60 | 0 | 21,022.40 | 1,751.87 | |
| 26,000.00 | 2,686.00 | 1,611.60 | 0 | 21,702.40 | 1,808.53 | |
| 27,000.00 | 2,886.00 | 1,731.60 | 0 | 22,382.40 | 1,865.20 | |
| 28,000.00 | 3,086.00 | 1,851.60 | 60 | 23,002.40 | 1,916.87 | |
| 29,000.00 | 3,286.00 | 1,971.60 | 144 | 23,598.40 | 1,966.53 | |
| 30,000.00 | 3,486.00 | 2,091.60 | 240 | 24,182.40 | 2,015.20 | |
| 31,000.00 | 3,686.00 | 2,211.60 | 324 | 24,778.40 | 2,064.87 | |
| 32,000.00 | 3,886.00 | 2,331.60 | 420 | 25,362.40 | 2,113.53 | |
| 33,000.00 | 4,086.00 | 2,451.60 | 504 | 25,958.40 | 2,163.20 | |
| 34,000.00 | 4,286.00 | 2,571.60 | 600 | 26,542.40 | 2,211.87 | |
| 35,000.00 | 4,486.00 | 2,691.60 | 684 | 27,138.40 | 2,261.53 | |
| 36,000.00 | 4,686.00 | 2,811.60 | 780 | 27,722.40 | 2,310.20 | |
| 37,000.00 | 4,886.00 | 2,931.60 | 864 | 28,318.40 | 2,359.87 | |
| 38,000.00 | 5,086.00 | 3,051.60 | 960 | 28,902.40 | 2,408.53 | |
| 39,000.00 | 5,286.00 | 3,171.60 | 1,044.00 | 29,498.40 | 2,458.20 | |
| 40,000.00 | 5,486.00 | 3,291.60 | 1,140.00 | 30,082.40 | 2,506.87 | |
| 41,000.00 | 5,686.00 | 3,411.60 | 1,224.00 | 30,678.40 | 2,556.53 | |
| 42,000.00 | 5,886.00 | 3,531.60 | 1,320.00 | 31,262.40 | 2,605.20 | |
| 43,000.00 | 6,086.00 | 3,651.60 | 1,404.00 | 31,858.40 | 2,654.87 | |
| 44,000.00 | 6,286.00 | 3,771.60 | 1,500.00 | 32,442.40 | 2,703.53 | |
| 45,000.00 | 6,486.00 | 3,891.60 | 1,584.00 | 33,038.40 | 2,753.20 | |
| 46,000.00 | 6,686.00 | 4,011.60 | 1,680.00 | 33,622.40 | 2,801.87 | |
| 47,000.00 | 6,886.00 | 4,131.60 | 1,764.00 | 34,218.40 | 2,851.53 | |
| 48,000.00 | 7,086.00 | 4,251.60 | 1,860.00 | 34,802.40 | 2,900.20 | |
| 49,000.00 | 7,286.00 | 4,371.60 | 1,944.00 | 35,398.40 | 2,949.87 | |
| 50,000.00 | 7,486.00 | 4,491.60 | 2,040.00 | 35,982.40 | 2,998.53 | |
| 51,000.00 | 7,832.00 | 4,538.60 | 2,124.00 | 36,505.40 | 3,042.12 | |
| 52,000.00 | 8,232.00 | 4,558.60 | 2,220.00 | 36,989.40 | 3,082.45 | |
| 53,000.00 | 8,632.00 | 4,578.60 | 2,304.00 | 37,485.40 | 3,123.78 | |
| 54,000.00 | 9,032.00 | 4,598.60 | 2,400.00 | 37,969.40 | 3,164.12 | |
| 55,000.00 | 9,432.00 | 4,618.60 | 2,484.00 | 38,465.40 | 3,205.45 | |
| 56,000.00 | 9,832.00 | 4,638.60 | 2,580.00 | 38,949.40 | 3,245.78 | |
| 57,000.00 | 10,232.00 | 4,658.60 | 2,664.00 | 39,445.40 | 3,287.12 | |
| 58,000.00 | 10,632.00 | 4,678.60 | 2,760.00 | 39,929.40 | 3,327.45 | |
| 59,000.00 | 11,032.00 | 4,698.60 | 2,844.00 | 40,425.40 | 3,368.78 | |
| 60,000.00 | 11,432.00 | 4,718.60 | 2,940.00 | 40,909.40 | 3,409.12 | |
| 61,000.00 | 11,832.00 | 4,738.60 | 3,024.00 | 41,405.40 | 3,450.45 | |
| 62,000.00 | 12,232.00 | 4,758.60 | 3,120.00 | 41,889.40 | 3,490.78 | |
| 63,000.00 | 12,632.00 | 4,778.60 | 3,204.00 | 42,385.40 | 3,532.12 | |
| 64,000.00 | 13,032.00 | 4,798.60 | 3,300.00 | 42,869.40 | 3,572.45 | |
| 65,000.00 | 13,432.00 | 4,818.60 | 3,384.00 | 43,365.40 | 3,613.78 | |
| 66,000.00 | 13,832.00 | 4,838.60 | 3,480.00 | 43,849.40 | 3,654.12 | |
| 67,000.00 | 14,232.00 | 4,858.60 | 3,564.00 | 44,345.40 | 3,695.45 | |
| 68,000.00 | 14,632.00 | 4,878.60 | 3,660.00 | 44,829.40 | 3,735.78 | |
| 69,000.00 | 15,032.00 | 4,898.60 | 3,744.00 | 45,325.40 | 3,777.12 | |
| 70,000.00 | 15,432.00 | 4,918.60 | 3,840.00 | 45,809.40 | 3,817.45 | |
| 71,000.00 | 15,832.00 | 4,938.60 | 3,924.00 | 46,305.40 | 3,858.78 | |
| 72,000.00 | 16,232.00 | 4,958.60 | 4,020.00 | 46,789.40 | 3,899.12 | |
| 73,000.00 | 16,632.00 | 4,978.60 | 4,104.00 | 47,285.40 | 3,940.45 | |
| 74,000.00 | 17,032.00 | 4,998.60 | 4,200.00 | 47,769.40 | 3,980.78 | |
| 75,000.00 | 17,432.00 | 5,018.60 | 4,284.00 | 48,265.40 | 4,022.12 | |
| 76,000.00 | 17,832.00 | 5,038.60 | 4,380.00 | 48,749.40 | 4,062.45 | |
| 77,000.00 | 18,232.00 | 5,058.60 | 4,464.00 | 49,245.40 | 4,103.78 | |
| 78,000.00 | 18,632.00 | 5,078.60 | 4,560.00 | 49,729.40 | 4,144.12 | |
| 79,000.00 | 19,032.00 | 5,098.60 | 4,644.00 | 50,225.40 | 4,185.45 | |
| 80,000.00 | 19,432.00 | 5,118.60 | 4,740.00 | 50,709.40 | 4,225.78 | |
| 81,000.00 | 19,832.00 | 5,138.60 | 4,824.00 | 51,205.40 | 4,267.12 | |
| 82,000.00 | 20,232.00 | 5,158.60 | 4,920.00 | 51,689.40 | 4,307.45 | |
| 83,000.00 | 20,632.00 | 5,178.60 | 5,004.00 | 52,185.40 | 4,348.78 | |
| 84,000.00 | 21,032.00 | 5,198.60 | 5,100.00 | 52,669.40 | 4,389.12 | |
| 85,000.00 | 21,432.00 | 5,218.60 | 5,184.00 | 53,165.40 | 4,430.45 | |
| 86,000.00 | 21,832.00 | 5,238.60 | 5,280.00 | 53,649.40 | 4,470.78 | |
| 87,000.00 | 22,232.00 | 5,258.60 | 5,364.00 | 54,145.40 | 4,512.12 | |
| 88,000.00 | 22,632.00 | 5,278.60 | 5,460.00 | 54,629.40 | 4,552.45 | |
| 89,000.00 | 23,032.00 | 5,298.60 | 5,544.00 | 55,125.40 | 4,593.78 | |
| 90,000.00 | 23,432.00 | 5,318.60 | 5,640.00 | 55,609.40 | 4,634.12 | |
| 91,000.00 | 23,832.00 | 5,338.60 | 5,724.00 | 56,105.40 | 4,675.45 | |
| 92,000.00 | 24,232.00 | 5,358.60 | 5,820.00 | 56,589.40 | 4,715.78 | |
| 93,000.00 | 24,632.00 | 5,378.60 | 5,904.00 | 57,085.40 | 4,757.12 | |
| 94,000.00 | 25,032.00 | 5,398.60 | 6,000.00 | 57,569.40 | 4,797.45 | |
| 95,000.00 | 25,432.00 | 5,418.60 | 6,084.00 | 58,065.40 | 4,838.78 | |
| 96,000.00 | 25,832.00 | 5,438.60 | 6,180.00 | 58,549.40 | 4,879.12 | |
| 97,000.00 | 26,232.00 | 5,458.60 | 6,264.00 | 59,045.40 | 4,920.45 | |
| 98,000.00 | 26,632.00 | 5,478.60 | 6,360.00 | 59,529.40 | 4,960.78 | |
| 99,000.00 | 27,032.00 | 5,498.60 | 6,444.00 | 60,025.40 | 5,002.12 | |
| 100,000.00 | 27,432.00 | 5,518.60 | 6,540.00 | 60,509.40 | 5,042.45 | |
| 101,000.00 | 28,032.00 | 5,538.60 | 6,624.00 | 60,805.40 | 5,067.12 | |
| 102,000.00 | 28,632.00 | 5,558.60 | 6,720.00 | 61,089.40 | 5,090.78 | |
| 103,000.00 | 29,232.00 | 5,578.60 | 6,804.00 | 61,385.40 | 5,115.45 | |
| 104,000.00 | 29,832.00 | 5,598.60 | 6,900.00 | 61,669.40 | 5,139.12 | |
| 105,000.00 | 30,432.00 | 5,618.60 | 6,984.00 | 61,965.40 | 5,163.78 | |
| 106,000.00 | 31,032.00 | 5,638.60 | 7,080.00 | 62,249.40 | 5,187.45 | |
| 107,000.00 | 31,632.00 | 5,658.60 | 7,164.00 | 62,545.40 | 5,212.12 | |
| 108,000.00 | 32,232.00 | 5,678.60 | 7,260.00 | 62,829.40 | 5,235.78 | |
| 109,000.00 | 32,832.00 | 5,698.60 | 7,344.00 | 63,125.40 | 5,260.45 | |
| 110,000.00 | 33,432.00 | 5,718.60 | 7,440.00 | 63,409.40 | 5,284.12 | |
| 111,000.00 | 34,032.00 | 5,738.60 | 7,524.00 | 63,705.40 | 5,308.78 | |
| 112,000.00 | 34,632.00 | 5,758.60 | 7,620.00 | 63,989.40 | 5,332.45 | |
| 113,000.00 | 35,232.00 | 5,778.60 | 7,704.00 | 64,285.40 | 5,357.12 | |
| 114,000.00 | 35,832.00 | 5,798.60 | 7,800.00 | 64,569.40 | 5,380.78 | |
| 115,000.00 | 36,432.00 | 5,818.60 | 7,884.00 | 64,865.40 | 5,405.45 | |
| 116,000.00 | 37,032.00 | 5,838.60 | 7,980.00 | 65,149.40 | 5,429.12 | |
| 117,000.00 | 37,632.00 | 5,858.60 | 8,064.00 | 65,445.40 | 5,453.78 | |
| 118,000.00 | 38,232.00 | 5,878.60 | 8,160.00 | 65,729.40 | 5,477.45 | |
| 119,000.00 | 38,832.00 | 5,898.60 | 8,244.00 | 66,025.40 | 5,502.12 | |
| 120,000.00 | 39,432.00 | 5,918.60 | 8,340.00 | 66,309.40 | 5,525.78 | |
| 121,000.00 | 40,032.00 | 5,938.60 | 8,424.00 | 66,605.40 | 5,550.45 | |
| 122,000.00 | 40,632.00 | 5,958.60 | 8,520.00 | 66,889.40 | 5,574.12 | |
| 123,000.00 | 41,232.00 | 5,978.60 | 8,604.00 | 67,185.40 | 5,598.78 | |
| 124,000.00 | 41,832.00 | 5,998.60 | 8,700.00 | 67,469.40 | 5,622.45 | |
| 125,000.00 | 42,432.00 | 6,018.60 | 8,784.00 | 67,765.40 | 5,647.12 | |
| 126,000.00 | 42,903.00 | 6,038.60 | 8,880.00 | 68,178.40 | 5,681.53 | |
| 127,000.00 | 43,353.00 | 6,058.60 | 8,964.00 | 68,624.40 | 5,718.70 | |
| 128,000.00 | 43,803.00 | 6,078.60 | 9,060.00 | 69,058.40 | 5,754.87 | |
| 129,000.00 | 44,253.00 | 6,098.60 | 9,144.00 | 69,504.40 | 5,792.03 | |
| 130,000.00 | 44,703.00 | 6,118.60 | 9,240.00 | 69,938.40 | 5,828.20 | |
| 131,000.00 | 45,153.00 | 6,138.60 | 9,324.00 | 70,384.40 | 5,865.37 | |
| 132,000.00 | 45,603.00 | 6,158.60 | 9,420.00 | 70,818.40 | 5,901.53 | |
| 133,000.00 | 46,053.00 | 6,178.60 | 9,504.00 | 71,264.40 | 5,938.70 | |
| 134,000.00 | 46,503.00 | 6,198.60 | 9,600.00 | 71,698.40 | 5,974.87 | |
| 135,000.00 | 46,953.00 | 6,218.60 | 9,684.00 | 72,144.40 | 6,012.03 | |
| 136,000.00 | 47,403.00 | 6,238.60 | 9,780.00 | 72,578.40 | 6,048.20 | |
| 137,000.00 | 47,853.00 | 6,258.60 | 9,864.00 | 73,024.40 | 6,085.37 | |
| 138,000.00 | 48,303.00 | 6,278.60 | 9,960.00 | 73,458.40 | 6,121.53 | |
| 139,000.00 | 48,753.00 | 6,298.60 | 10,044.00 | 73,904.40 | 6,158.70 | |
| 140,000.00 | 49,203.00 | 6,318.60 | 10,140.00 | 74,338.40 | 6,194.87 | |
| 141,000.00 | 49,653.00 | 6,338.60 | 10,224.00 | 74,784.40 | 6,232.03 | |
| 142,000.00 | 50,103.00 | 6,358.60 | 10,320.00 | 75,218.40 | 6,268.20 | |
| 143,000.00 | 50,553.00 | 6,378.60 | 10,404.00 | 75,664.40 | 6,305.37 | |
| 144,000.00 | 51,003.00 | 6,398.60 | 10,500.00 | 76,098.40 | 6,341.53 | |
| 145,000.00 | 51,453.00 | 6,418.60 | 10,584.00 | 76,544.40 | 6,378.70 | |
| 146,000.00 | 51,903.00 | 6,438.60 | 10,680.00 | 76,978.40 | 6,414.87 | |
| 147,000.00 | 52,353.00 | 6,458.60 | 10,764.00 | 77,424.40 | 6,452.03 | |
| 148,000.00 | 52,803.00 | 6,478.60 | 10,860.00 | 77,858.40 | 6,488.20 | |
| 150,000.00 | 53,703.00 | 6,518.60 | 11,040.00 | 78,738.40 | 6,561.53 | |