UK Personal Finance Statistics 2026
UK take-home pay, National Insurance, stamp duty, council tax, pensions, student loan repayments, dividend tax and inheritance tax for the 2026-27 tax year.
2026 Numbers
UK Take-Home Pay 2026-27 by Salary: Monthly Pay From £20k to £150k in England and Scotland
On a £35,000 salary in 2026-27, UK take-home pay is £2,393.30 a month in England, Wales and Northern Ireland and £2,392.04 in Scotland; Scottish taxpayers keep less once pay passes £33,500.
UK Student Loan Repayments 2026-27: Monthly Cost on Plan 1, 2, 4, 5 and Postgraduate
On a £35,000 salary in 2026-27, UK student loan repayments are £60.75 a month on Plan 1, £42.11 on Plan 2, £9.04 on Plan 4 and £75.00 on Plan 5.
UK Inheritance Tax 2026-27: Nil-Rate Bands and the Tax on Estates From £300k to £3m
On a £1 million estate in 2026-27, UK Inheritance Tax is £200,000 for a single person leaving a home to their children and £0 for a widow or widower who inherited their late spouse's unused bands.
UK Dividend Tax 2026-27: What You Pay at Each Income Tax Band, and as a Company Director
In 2026-27 the same £5,000 of UK dividends costs a basic rate taxpayer £483.75 in tax, a higher rate taxpayer £1,608.75 and an additional rate taxpayer £1,770.75.
Council Tax by Band in England for 2026-27: Average Bills From Band A to Band H
The average council tax bill in England for 2026-27 is £2,392.00 for a Band D home, ranging from £1,594.67 in Band A to £4,784.00 in Band H.
UK National Insurance 2026-27 by Salary: What You and Your Employer Pay From £15k to £150k
On a £30,000 UK salary in 2026-27 the employee pays £1,394.40 of National Insurance and the employer pays £3,750.00 on top, so NI takes £5,144.40 in total.
What It Really Costs
UK Stamp Duty 2026: What First-Time Buyers, Home Movers and Second-Home Buyers Pay in England
On a £400,000 home in England in 2026, a first-time buyer pays £5,000 in stamp duty, a home mover £10,000 and a second-home or buy-to-let buyer £30,000.
UK Salary Sacrifice 2026-27: What a Pension Sacrifice Saves at Each Salary From £25k to £150k
Sacrificing 5% of a £60,000 UK salary puts £3,000 into a pension in 2026-27 and cuts take-home pay by only £1,740.00, because it saves £1,200.00 of Income Tax and £60.00 of National Insurance.
UK Child Benefit Charge 2026-27: What You Repay Between £60,000 and £80,000
Between £60,000 and £80,000 in 2026-27, a UK employee with two children claiming Child Benefit loses 53.7% of each extra pound to Income Tax, National Insurance and the High Income Child Benefit Charge.
UK Buy-to-Let 2026-27: Landlord Profit After Tax at Five Rents, Personal vs Company
On £1,250 a month of rent and £7,500 of mortgage interest, a UK basic rate landlord keeps £4,200 a year after tax in 2026-27, and a higher rate landlord keeps £1,650.
How Much Can I Borrow for a UK Mortgage? £30k to £100k Salaries, Single and Joint
At 4.5 times income, a single UK buyer on £50,000 can borrow up to £225,000 and a couple on £50,000 each up to £450,000, but lenders set their own multiples and stress rates.
UK Pension Lump Sum Tax 2026-27: What You Keep From £10k to £1.5M
Take £100,000 from a UK pension in 2026-27 on top of £20,000 of other income and £25,000.00 is tax free, but the rest costs £23,946.00 in Income Tax, leaving you £76,054.00.
UK Marriage Allowance 2026-27: Who Gains and How Much
The UK Marriage Allowance is worth up to £252 a year in 2026-27, and up to £1,260 if you also backdate it, but only when one partner earns under £12,570 and the other pays basic rate tax.
