Guides
One question each, answered with the number first. Every figure is computed from the rules file as at 2026/27, and every other fact is listed with the gov.uk page it came from. Last reviewed 9 November 2026.
All guides
- What does my tax code mean? What tax code 1257L means in 2026/27, how the number sets your allowance, and what BR, D0, 0T, NT, K, emergency and S or C codes do to take-home pay.
- Why is my payslip different from the calculator? Six reasons a payslip differs from an annual take-home figure: PAYE by pay period, tax code changes, pension method, student loan plan, benefits and part years.
- What happens to the personal allowance above £100,000? Above £100,000 the personal allowance falls by £1 for every £2 and is gone at £125,140. The marginal rate inside the band in 2026/27, as arithmetic.
- Which student loan plan am I on? Who is on Plan 1, 2, 4, 5 and the postgraduate loan, each repayment threshold and rate for 2026/27, and what each plan repays at three salaries.
- How is income tax different in Scotland? The 6 Scottish income tax bands for 2026/27, the gross pay where each starts, and take-home pay in Scotland against the rest of the UK at four salaries.
- What is the Pension Tax Allowance? The Pension Tax Allowance takes up to £94 off income tax for people over State Pension age from 6 April 2027. Who gets it, the taper and where it ends.
The tools behind them
- CalculatorsEach result with its working and the rules it used.
- Rates and allowances for 2026/27Every figure the guides use, with its source, the date it was checked and its status.