UK Salary Context

Where does a salary actually sit? Take-home, tax band, minimum-wage gap and national percentile — with no baked-in numbers.

Minimum-wage age band
Student loan plan

Take-home pay

—

— / month·— effective

Where your gross goes

    Vs minimum wage

    —

    Which student loan plan?

    For undergraduate loans it depends on where you studied and when your course started:

    • Plan 5England — course started on/after 1 Aug 2023
    • Plan 2England & Wales — 1 Sep 2012 – 31 Jul 2023
    • Plan 1Northern Ireland — or England/Wales before Sep 2012
    • Plan 4Scotland
    • PostgradA Master's or Doctoral loan — repaid alongside any of the above

    Still unsure? Check your exact plan on gov.uk, or your annual statement from the Student Loans Company.

    Income tax breakdown

    Bands apply to your taxable income (gross minus any pension). The personal allowance shown is after any high-income taper. Rest-of-UK rules — Scotland differs.