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UK guidesPlain-words money answers.

UK money guides

Take-home pay, tax codes, mortgages and student loans, worked out with the same engine as our free UK tools.

Tax code

Tax code

Tax code 1257L explained: what it means and how to check yours

Tax code 1257L is the standard UK code. Here is what the numbers and letter mean, what other codes tell you, and how to check yours is right.

2 min read

Mortgages

Mortgages

When to remortgage: timing, fees and how to tell if it pays

When to start looking for a new mortgage deal, what it costs, and a worked example of what remortgaging saves after fees.

2 min readMortgages

Mortgage overpayments: how much you can overpay and what it saves

How overpaying your mortgage works, the usual 10% yearly limit, and a worked example of the interest and years you save.

2 min read

Student loans

Student loans

Student loan plans explained: Plan 1, 2, 4, 5 and postgraduate

Which student loan plan you are on, the 2026/27 repayment thresholds, and how much comes out of your pay.

2 min read

Self-employed

Self-employed

Self-employed tax in the UK: what to set aside and when you pay

Income tax, Class 4 National Insurance, payments on account and the dates, with a worked example for a sole trader.

2 min readSelf-employed

UK VAT registration threshold: when you must register

When a business must register for VAT, how the rolling 12-month rule works, and how to add or remove VAT from a price.

2 min read

Debt

Debt

Debt avalanche or snowball: which clears debt faster and cheaper

The two common ways to pay off several debts, with a worked example showing time and interest for each.

2 min read

Take-home pay

Take-home pay

£20,000 salary after tax in the UK: monthly take-home

On £20,000 a year you take home about £1,493 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£25,000 salary after tax in the UK: monthly take-home

On £25,000 a year you take home about £1,793 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£30,000 salary after tax in the UK: monthly take-home

On £30,000 a year you take home about £2,093 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£35,000 salary after tax in the UK: monthly take-home

On £35,000 a year you take home about £2,393 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£40,000 salary after tax in the UK: monthly take-home

On £40,000 a year you take home about £2,693 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£45,000 salary after tax in the UK: monthly take-home

On £45,000 a year you take home about £2,993 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£50,000 salary after tax in the UK: monthly take-home

On £50,000 a year you take home about £3,293 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£60,000 salary after tax in the UK: monthly take-home

On £60,000 a year you take home about £3,780 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£70,000 salary after tax in the UK: monthly take-home

On £70,000 a year you take home about £4,263 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£80,000 salary after tax in the UK: monthly take-home

On £80,000 a year you take home about £4,746 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min readTake-home pay

£100,000 salary after tax in the UK: monthly take-home

On £100,000 a year you take home about £5,713 a month in 2026/27 after income tax and National Insurance, with tax code 1257L.

2 min read
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