2025/26 · After income tax, National Insurance & Plan 2 student loan
On a £180,000 salary with a Plan 2 student loan, your UK take-home pay is about £93,549 a year (£7,796/month) in 2025/26 — the loan takes £13,638 a year on top of tax and National Insurance.
| Item | Annual | Monthly |
|---|---|---|
| 💷 Gross salary | £180,000 | £15,000 |
| − Income tax | −£67,203 | −£5,600 |
| − National Insurance | −£5,611 | −£468 |
| − Student loan (Plan 2) | −£13,638 | −£1,136 |
| ✓ Take-home pay | £93,549 | £7,796 |
| Plan | Threshold | Repayment/yr | Take-home/yr |
|---|---|---|---|
| Plan 1 | £26,065 | −£13,854 | £93,332 |
| Plan 2 | £28,470 | −£13,638 | £93,549 |
| Plan 4 (Scotland) | £32,745 | −£13,253 | £86,693 |
| Plan 5 | £25,000 | −£13,950 | £93,236 |
| Postgraduate | £21,000 | −£9,540 | £97,646 |
Repayments are 9% of income above your plan's threshold (6% for postgraduate loans). Not sure which plan you're on? England & Wales starters from Aug 2023 are Plan 5; 2012–2023 are Plan 2; Scotland is Plan 4.
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Open UK Student Loan Calculator →Uses 2025/26 HMRC rates (personal allowance £12,570, basic 20%, higher 40%, additional 45%; NI 8%/2%) plus 2025/26 student loan thresholds: Plan 1 £26,065, Plan 2 £28,470, Plan 4 £32,745, Plan 5 £25,000 (9%), Postgraduate £21,000 (6%). Headline figures assume Plan 2 and England/Wales tax bands, no pension contributions. The Plan 4 row uses Scottish 2025/26 income tax bands, since Plan 4 borrowers studied in Scotland. Repayments are collected via PAYE on income above the threshold. Estimates only — not financial advice.