Take-home pay · 2026/27
£48,000 after tax
£3,173a month take-home on £48,000 a year, with no student loan or pension. That’s £732 a week, or £38,080 a year.
| £48,000 a year | No student loan | Plan 2 | Plan 5 |
|---|---|---|---|
| Gross pay | £48,000 £4,000/mo | £48,000 £4,000/mo | £48,000 £4,000/mo |
| Income tax | £7,086 £590/mo | £7,086 £590/mo | £7,086 £590/mo |
| National Insurance | £2,834 £236/mo | £2,834 £236/mo | £2,834 £236/mo |
| Student loan | £0 £0/mo | £1,675 £140/mo | £2,070 £172/mo |
| Take-home | £38,080 £3,173/mo | £36,404 £3,034/mo | £36,010 £3,001/mo |
TL;DROut of every £100 you earn, about £79 reaches your account — or £75 with a Plan 5 student loan.
79%of your gross pay you keep, with no student loan or pension.
£24.62an hour before tax, if you work 37.5 hours a week all year.
£720of the next £1,000 you earn would reach your account.
TL;DRA £1,000 pay rise would add about £60 a month to your take-home.
This is above the UK median full-time salary of about £42,182 a year (ONS, April 2026).
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Small print
2026/27 income tax and National Insurance for England, Wales and Northern Ireland (Scotland’s income tax bands differ), standard 1257L tax code, employee Class 1 NI. Plan 2 repayments are 9% above £29,385 and Plan 5 9% above £25,000. Pension contributions, salary sacrifice, benefits in kind and other deductions are not included. General information, not financial advice.
Receipts · checked 9 November 2026