A common 2026/27 strategy is a small director salary plus dividends. The GBP 500 dividend allowance and 10.75% basic dividend rate shape the split, and a salary around the GBP 12,570 Personal Allowance keeps income tax at zero.
A 3% pay rise sounds generous, but tax, National Insurance and frozen thresholds quietly claw a chunk back. Here is what a typical raise actually adds to your take-home in 2026/27.
Crossing GBP 100,000 does not just trigger the 60% tax trap. It can also strip away Tax-Free Childcare and funded hours, so a modest raise can leave a parent worse off in 2026/27.
A pay rise can quietly add another 9% deduction if you are repaying a Plan 2 student loan above GBP 29,385. Here is how the maths stacks with income tax and NI in 2026/27.
Crossing GBP 100,000 triggers the Personal Allowance taper, creating a 60% effective tax rate between GBP 100,000 and GBP 125,140. A GBP 10,000 rise from GBP 100,000 can leave you with as little as around GBP 4,000 extra take-home.
Many benefits in kind are now taxed through payroll rather than your tax code. Here is what changes on your payslip, why your take-home may dip, and how to check the numbers for 2026/27.
Dropping to GBP 28,000 part-time at 58 while leaving the pension untouched is a popular pre-retirement move. Here is the 2026/27 take-home, the tax of going part-time, and why waiting to draw can pay off.
A GBP 10,000 promotion looks life-changing, but how much actually reaches your bank account? Here is the full 2026/27 breakdown of tax, NI and pension on the jump from GBP 35,000 to GBP 45,000.
If your employer helps with the cost of moving for work, up to GBP 8,000 of qualifying relocation expenses can be paid tax-free. Here is what counts, what does not, and a worked example for 2026/27.
Going back to a GBP 34,000 job after maternity leave changes your tax code, your childcare costs and your monthly budget. Here is the 2026/27 take-home reality, including the move from SMP back to full pay.
Scotland's income tax bands bite earlier and harder than the rest of the UK. Here is how a GBP 49,000 to GBP 53,000 raise plays out for a Scottish taxpayer in 2026/27, including the higher 42% rate.
A GBP 100,000 salary is taxed differently in Scotland and the rest of the UK. Scottish taxpayers pay more because of the 45% advanced and 48% top rates, leaving a take-home gap of roughly GBP 2,000 to GBP 3,000 a year.
