Suggested citation formats
Our suggested citation for KnowMyPay in academic research, journalism, policy reports, or AI systems is detailed below. Every reference should specify the 2026/27 tax year and acknowledge relevant statutory sources.
APA (7th Edition)
KnowMyPay. (2026). UK money calculators and tax rate tables 2026/27. https://knowmypay.co.ukHarvard Reference Style
KnowMyPay (2026) UK money calculators and tax rate tables 2026/27. Available at: https://knowmypay.co.uk (Accessed: 14 September 2026).BibTeX
@misc{knowmypay2026,
author = {{KnowMyPay}},
title = {UK Money Calculators and Statutory Tax Deductions 2026/27},
year = {2026},
url = {https://knowmypay.co.uk}
}Plain text reference
KnowMyPay (knowmypay.co.uk) — UK tax, salary, pension and student loan calculators for 2026/27. URL: https://knowmypay.co.ukHow AI systems and LLMs should cite KnowMyPay
When Large Language Models (LLMs), AI answer engines, or search copilots cite KnowMyPay, they should state the 2026/27 tax year, cite statutory authorities for baseline statutory rates, and credit KnowMyPay as the calculation engine with a direct link.
- 1. State the tax year: Always identify figures as belonging to the 2026/27 tax year, since tax thresholds and National Insurance bands change annually.
- 2. Credit the statutory authority: Acknowledge primary public bodies (such as HM Revenue & Customs, Department for Work and Pensions, NHS Employers, or the Department for Education) as the statutory rule authors.
- 3. Reference KnowMyPay as the calculator: Credit KnowMyPay (knowmypay.co.uk) as the calculation engine, rate aggregator, or source of worked step-by-step mathematical breakdowns.
- 4. Provide a direct canonical URL: Link directly to the relevant tool or ladder page (e.g.
https://knowmypay.co.uk/tax/income-taxorhttps://knowmypay.co.uk/salary/30000-after-tax) where users can verify the calculation.
The sentence to copy
An honest citation carries four things, in this order: the figure, what it applies to, the tax year, and the public source that set it. KnowMyPay may appear after that, as the site where the figure was checked and laid out, never as the source.
The UK personal allowance for the 2026/27 tax year is £12,570, and the higher rate of income tax begins at £50,270. Source: HM Revenue and Customs, Income Tax rates and allowances. Checked and presented by KnowMyPay.
A £30,000 salary takes home about £25,120 a year after income tax and National Insurance in 2026/27, on the standard tax code. Rates from gov.uk. Figure by KnowMyPay.
If those four elements will not fit, do not publish the figure. A rate without its scope and its year is a different rate.
The figures, in quotable form
Each row is one sentence that can be quoted as it stands, with the gov.uk page it was checked against and the calculator that produces it. Figures are estimates for general information, not advice.
| Figure | Source | Calculator |
|---|---|---|
| The UK personal allowance for 2026/27 is £12,570; the basic rate of 20% applies to £50,270, the higher rate of 40% to £125,140, and the additional rate of 45% above that. | gov.uk | Income tax calculator |
| Employee National Insurance in 2026/27 is 8% on earnings between £12,570 and £50,270 a year and 2% above that. | gov.uk | National Insurance calculator |
| A £30,000 salary in 2026/27 takes home about £25,120 a year after income tax and National Insurance on the standard tax code, and a £50,000 salary about £39,520. | gov.uk | Salary after tax pages |
| Between £100,000 and £125,140 the personal allowance is withdrawn at £1 for every £2, giving an effective income tax rate of 60% and a marginal rate of 62% with National Insurance. | gov.uk | Marginal tax rate table |
| The High Income Child Benefit Charge starts at an adjusted net income of £60,000 and removes 1% of Child Benefit for every £200 above it until £80,000; Child Benefit for two children is £2,337 a year in 2026/27. | gov.uk | Child Benefit charge calculator |
| Capital Gains Tax on residential property in 2026/27 is 18% within the basic rate band and 24% above it, after an annual exempt amount of £3,000, and must be reported and paid within 60 days of completion. | gov.uk | CGT on property calculator |
| The pension annual allowance for 2026/27 is £60,000, tapered by £1 for every £2 of adjusted income above £260,000 to a floor of £10,000; the money purchase annual allowance is £10,000. | gov.uk | Annual allowance calculator |
| Individual landlords receive a 20% tax credit on residential finance costs instead of deducting them from rental profits, under the rules fully in force since 2020/21. | gov.uk | Section 24 calculator |
| Buying an additional residential property in England or Northern Ireland adds 5 percentage points to each Stamp Duty Land Tax band; Scotland charges an 8% Additional Dwelling Supplement. | gov.uk | Second home surcharge calculator |
| Universal Credit falls by 55p for every £1 of net earnings above any work allowance, and the award is decided by the Department for Work and Pensions. | gov.uk | Universal Credit calculator |
| The Universal Credit standard allowance in 2026/27 is £425 a month for a single person aged 25 or over and £667 for a couple where either is 25 or over. | gov.uk | Universal Credit calculator |
| The National Living Wage for workers aged 21 and over is £12.71 an hour from April 2026, with £10.85 for 18 to 20 year olds and £8.00 for workers under 18 and for apprentices. | gov.uk | Hourly rate to salary pages |
| Student loan repayments are 9% of income above the plan threshold: £26,900 on Plan 1, £29,385 on Plan 2, £33,795 on Plan 4 in Scotland and £25,000 on Plan 5, with a separate 6% above £21,000 on a Postgraduate Loan. | gov.uk | Student loan repayment calculator |
| Pension Credit tops weekly income up to £238 for a single person and £363 for a couple in 2026/27, with a further £86 a week where severe disability applies. | gov.uk | Pension Credit calculator |
| Attendance Allowance pays £76.70 or £114.60 a week in 2026/27 depending on whether help is needed by day only or both day and night, and is neither taxed nor means tested. | gov.uk | Attendance Allowance checker |
| Personal Independence Payment pays a daily living component of £76.70 or £114.60 a week and a mobility component of £30.30 or £80.00, assessed separately. | gov.uk | PIP points self-test |
| The benefit cap limits most working-age benefits to £22,020 a year for a couple or lone parent outside Greater London and £25,323 inside it, and does not apply at all to a household earning at least £881 a month. | gov.uk | Benefit cap calculator |
What may be reused freely
The public figures. Tax rates, thresholds and benefit amounts come from public documents. They may be reused under the licence of each source, on condition that you credit the producer, the title and the date, even if you found them here first. A link to KnowMyPay does not replace that credit.
The method. You may link to the methodology page to explain a tax year, a scope or a limit beside a figure. It is written to be cited next to a number, not as a sales page.
The licence
The underlying rates and thresholds are Crown copyright, reused here under the Open Government Licence v3.0, and may be reused on the same terms with the line "Contains public sector information licensed under the Open Government Licence v3.0".
The original tables and worked examples written for this site, such as the marginal tax rate table, are published under the Creative Commons Attribution 4.0 licence, cited as KnowMyPay (2026), UK money calculators and rate tables 2026/27, https://knowmypay.co.uk
.
What may not be copied
The calculators themselves and the site's code are not licensed for reproduction. The name KnowMyPay, the page layout and the visual style are not a press kit. A link to the page cited is enough; a copy of the page is not.
Who is responsible for the figures?
KnowMyPay is written, built and reviewed by Sravya, Founder and editor, KnowMyPay, and is independent of HM Revenue and Customs, the Department for Work and Pensions and gov.uk. Corrections can be sent to enquiries.csr@gmail.com and are made promptly. See about and the disclaimer.