Based on current HMRC guidance and UK PAYE rulesUpdated for the current UK tax year

TaxDecod

UK salary and take-home guidance

Standalone deduction tool

Student loan repayment calculator

Use this tool when the real question is not just salary after tax, but how much student loan repayment is changing what actually reaches you.

Current tax-year framing

This page uses a standard UK employee setup with 2025/26-style tax assumptions.

Last reviewed: 16 April 2026

Using 2025/26 UK tax assumptions

Standard employee setup

Designed for real take-home understanding

Built for student-loan drag comparison

Why this tool matters

Student loan is one of the most misunderstood salary drags because the gross salary can look strong while the monthly result still feels weaker than expected after repayments.

Compare two salaries

Useful when you want to see whether a raise still feels strong after loan drag.

Open the full calculator

Check the broader single-salary route with all deductions visible.

Explore salary sacrifice

Useful when you want to improve tax efficiency after understanding deduction drag.

Yearly repayment

£243

Monthly deduction

£20

Repayment threshold

£27,295

Decision insights

Plan 2 is actively reducing monthly take-home

At this salary, repayments are about £20 a month, which is meaningful in salary comparisons and affordability planning.

Compare salary routes

See how student loan affects whether a pay rise really improves take-home.

Open full calculator

Move back into the full salary deduction flow.

Understand deduction context

Useful when the real question is how student loan appears inside payslip logic.