Opting out of auto-enrolment saves a little take-home pay now but forfeits your employer's contribution and tax relief. Here's the true 2026/27 cost of leaving your workplace pension.
NLW rose to £12.71/hr from April 2026. See the new rates for all age groups, your updated take-home pay, and how it compares to the Real Living Wage.
Full take-home pay table for all NHS Band 5 pay points 2025/26. Includes NHS pension, London supplements, student loan deductions and unsocial hours.
NHS Band 7 take-home pay 2026: full salary range £46,148–£52,809, monthly net pay table with tax, NI and pension, London supplements and Band 8a comparison.
The real cost of opting out of the NHS pension in 2026: 23.7% employer contribution lost, defined benefit value vs SIPP, and the rare scenarios where opting out makes sense.
Full guide to PPS 2015 CARE scheme: contribution tiers, accrual rate, McCloud remedy, early access reductions, and a worked take-home pay example.
Plan 5 applies to English students starting August 2023. Learn the £25,000 threshold, 9% repayment rate, 40-year write-off, and why most graduates won't fully repay.
Full guide to TPS 2026: CARE 1/54th accrual, contribution tiers 7.4–12.4%, employer 23.68%, normal pension age, McCloud remedy and opting out costs.
Statutory Redundancy Pay 2026: £751 weekly cap, £22,530 maximum, tax-free up to £30,000. PILON tax rules, consultation rights and employer insolvency explained.
£20,000 a year after tax in 2026/27 is £17,920 net (£1,493/month). Full income tax, NI and take-home breakdown with student loan, pension and Scotland comparisons.
£25,000 a year after tax in 2026/27 is £21,520 net (£1,793/month). Full income tax, NI and take-home breakdown with student loan and pension for 2026/27.
£30,000 a year after tax in 2026/27 is £25,120 net (£2,093/month). Full income tax and NI breakdown, student loan, pension, and Scotland comparison.
