Answers · UK 2025/26
What is my take-home pay on £30,000 with a Plan 4 student loan in Scotland in 2026/27?
On £30,000 in 2026/27, a Scottish taxpayer with a Plan 4 student loan pays £3,451.07 Scottish Income Tax and £1,394.40 National Insurance, with no student loan repayment at all, since £30,000 is below the £33,795 Plan 4 threshold. Take-home pay is £25,154.53 a year.
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On a £30,000 salary in 2026/27, Scottish taxable income (after the £12,570 Personal Allowance) is £17,430, spanning the starter, basic and intermediate bands: £3,967 at 19% (£753.73), £12,989 at 20% (£2,597.80), and £474 at 21% (£99.54), giving total Scottish Income Tax of £3,451.07. National Insurance is the same across the whole UK regardless of Scottish residency, so it is 8% on the £17,430 above the £12,570 Primary Threshold, giving £1,394.40. Plan 4 student loans, which apply to most Scottish students, are only repaid once income exceeds a £33,795 threshold for 2026/27 -- the highest threshold of any UK student loan plan. Because £30,000 is below that threshold, there is no student loan repayment at all this year, so take-home pay is exactly the same as it would be with no student loan: £25,154.53 a year, around £2,096.21 a month. This illustrates why Plan 4's high threshold means many Scottish graduates on modest early-career salaries make no repayments for several years after graduating, even while their loan balance continues to accrue interest, until their salary eventually crosses £33,795.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.