The TL;DR
On £25,000 you pay £2,486 income tax and £994 National Insurance a year in 2026/27, leaving £1,793 a month take-home.
The detail
- Income tax is 20% on everything above your £12,570 personal allowance — here, £12,430.
- National Insurance is 8% on the same slice.
- On Plan 5 student loan you’d repay nothing: the threshold is £25,000.
Your 5-minute move
Your 5-minute move
Use the tools and explainers below to check your own numbers.
Receipts · checked 9 November 2026
- HMRC — Income tax rates and allowances — 2026/27