Answers · UK 2025/26

What is my take-home pay on £35,000 with a Plan 1 student loan in 2026/27?

On a £35,000 salary with a Plan 1 student loan in 2026/27, you pay £4,486 Income Tax, £1,794.40 National Insurance and £729 student loan repayment, leaving £27,990.60 take-home pay -- about £2,332.55 a month.

Last updated: 3 July 2026Last reviewed: 3 July 2026How we verify

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For a £35,000 salary in 2026/27, taxable income after the £12,570 Personal Allowance is £22,430, entirely within the 20% basic rate band, giving £4,486 Income Tax. National Insurance is 8% of £22,430 above the Primary Threshold, giving £1,794.40. Plan 1 student loans (for most students who started courses before September 2012, mainly in England and Wales, or Northern Ireland borrowers) repay 9% of income above a £26,900 threshold for 2026/27 -- at £35,000 salary, the £8,100 above the threshold generates a repayment of £729. Combined deductions of £7,009.40 leave £27,990.60 take-home pay a year, around £2,332.55 a month or £538.28 a week. Plan 1 has the highest repayment threshold of the older student loan plans, so borrowers still on this plan repay less than a Plan 5 borrower would on the same salary, though Plan 1 loans also carry a lower interest rate. Use the Student Loan Repayment calculator to check your remaining balance and repayment timeline.