Understand the numbers behind your payslip.
Practical UK pay and tax guides built around the same 2026/27 assumptions used by our calculators. Each guide links to primary government sources and explains where a simplified annual estimate can differ from payroll.
UK Income Tax 2026/27: rates, bands and Personal Allowance
A practical guide to 2026/27 UK Income Tax rates, the £12,570 Personal Allowance and the taper above £100,000.
Read guide →2026/27National Insurance 2026/27: employee rates explained
Employee Class 1 National Insurance rates and thresholds for the 2026/27 UK tax year, with a worked salary example.
Read guide →2026/27Student loan repayments 2026/27: Plans 1, 2, 4, 5 and postgraduate
2026/27 student loan thresholds and repayment rates for Plans 1, 2, 4, 5 and Postgraduate Loans.
Read guide →2026/27Scottish Income Tax 2026/27: rates and bands
A practical explanation of Scottish Income Tax rates and bands for 2026/27 and how Netly Pay models them.
Read guide →2026/27The £100k tax trap: why take-home pay changes above £100,000
Understand the Personal Allowance taper between £100,000 and £125,140 and why the effective Income Tax rate can reach 60%.
Read guide →2026/27Salary sacrifice pension: what it can do to take-home pay
How salary sacrifice pension arrangements can affect taxable pay, National Insurance and a Netly Pay estimate.
Read guide →2026/27Understanding your UK payslip: gross pay, PAYE, NI and deductions
A plain-English guide to the main lines on a UK employee payslip and why they can differ from annual salary estimates.
Read guide →2026/27Salary vs day rate: how to compare permanent and contract pay
How to compare a UK annual salary with a day rate without treating gross annualised income as equivalent compensation.
Read guide →2026/27How are bonuses taxed in the UK? PAYE, NI and student loans
Why a workplace bonus can create a large deduction in one month and how it affects annual take-home pay.
Read guide →2026/27How take-home pay is calculated in the UK
A step-by-step explanation of gross pay, salary sacrifice, Personal Allowance, Income Tax, National Insurance and student loans.
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