https://knowmypay.co.uk/blog Guides to UK pay, tax, pensions and benefits for 2026/27, each checked against gov.uk and linked to a free calculator. en-GB Contains public sector information licensed under the Open Government Licence v3.0 Mon, 14 Sep 2026 00:00:00 GMT https://knowmypay.co.uk/blog/stamp-duty-first-time-buyer-2026-27 https://knowmypay.co.uk/blog/stamp-duty-first-time-buyer-2026-27 Mon, 14 Sep 2026 00:00:00 GMT First-time buyer stamp duty relief in 2026/27: pay 0% up to £300,000 and 5% to £500,000, with worked examples and what disqualifies a buyer. Property https://knowmypay.co.uk/blog/vat-rates-uk-2026-27 https://knowmypay.co.uk/blog/vat-rates-uk-2026-27 Mon, 14 Sep 2026 00:00:00 GMT UK VAT rates for 2026/27: the standard 20%, reduced 5% and zero rate explained with examples, and when the Flat Rate Scheme changes the figures. Self-employment https://knowmypay.co.uk/blog/buy-to-let-mortgage-guide https://knowmypay.co.uk/blog/buy-to-let-mortgage-guide Fri, 11 Sep 2026 00:00:00 GMT A complete guide to UK buy to let mortgages for 2026/27, explaining deposit rules, rental cover ratios, Section 24 tax rules, and stamp duty surcharges. Property https://knowmypay.co.uk/blog/how-much-is-20000-after-tax https://knowmypay.co.uk/blog/how-much-is-20000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £20,000 after tax is about £17,920 a year, or £1,493 a month, in 2026/27 after income tax and National Insurance. See the full breakdown and calculations. Take-home pay https://knowmypay.co.uk/blog/how-much-is-22000-after-tax https://knowmypay.co.uk/blog/how-much-is-22000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £22,000 after tax is about £19,360 a year, or £1,613 a month, in 2026/27 after income tax and National Insurance. See the full breakdown and calculations. Take-home pay https://knowmypay.co.uk/blog/how-much-is-28000-after-tax https://knowmypay.co.uk/blog/how-much-is-28000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £28,000 after tax is about £23,680 a year, or £1,973 a month, in 2026/27 after income tax and National Insurance. See the full breakdown and student loans. Take-home pay https://knowmypay.co.uk/blog/how-much-is-32000-after-tax https://knowmypay.co.uk/blog/how-much-is-32000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £32,000 after tax is about £26,560 a year, or £2,213 a month, in 2026/27 after income tax and NI. See the full take-home pay breakdown. Take-home pay https://knowmypay.co.uk/blog/how-much-is-55000-after-tax https://knowmypay.co.uk/blog/how-much-is-55000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £55,000 after tax is about £42,457 a year, or £3,538 a month, in 2026/27 once higher rate tax is deducted. See the full breakdown and calculations. Take-home pay https://knowmypay.co.uk/blog/how-much-is-65000-after-tax https://knowmypay.co.uk/blog/how-much-is-65000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £65,000 after tax is about £48,257 a year, or £4,021 a month, in 2026/27 after income tax and NI. See the full take-home pay breakdown. Take-home pay https://knowmypay.co.uk/blog/how-much-is-70000-after-tax https://knowmypay.co.uk/blog/how-much-is-70000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £70,000 after tax is about £51,157 a year, or £4,263 a month, in 2026/27 after higher rate tax and NI. See the full breakdown and Child Benefit effect. Take-home pay https://knowmypay.co.uk/blog/how-much-is-75000-after-tax https://knowmypay.co.uk/blog/how-much-is-75000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £75,000 after tax is about £54,057 a year, or £4,505 a month, in 2026/27 after income tax and NI. See the full take-home pay breakdown. Take-home pay https://knowmypay.co.uk/blog/how-much-is-80000-after-tax https://knowmypay.co.uk/blog/how-much-is-80000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £80,000 after tax is about £56,957 a year, or £4,746 a month, in 2026/27 after higher rate tax and NI. See the full breakdown and Child Benefit cap. Take-home pay https://knowmypay.co.uk/blog/how-much-is-90000-after-tax https://knowmypay.co.uk/blog/how-much-is-90000-after-tax Fri, 11 Sep 2026 00:00:00 GMT £90,000 after tax is about £62,757 a year, or £5,230 a month, in 2026/27 after income tax and NI. See the full take-home pay breakdown. Take-home pay https://knowmypay.co.uk/blog/how-much-is-a-100000-mortgage https://knowmypay.co.uk/blog/how-much-is-a-100000-mortgage Fri, 11 Sep 2026 00:00:00 GMT Find out how much a £100,000 mortgage costs per month in the UK at 4% to 6% interest over 25 and 30 years, with full monthly repayment breakdowns. Property https://knowmypay.co.uk/blog/interest-only-mortgage-explained https://knowmypay.co.uk/blog/interest-only-mortgage-explained Fri, 11 Sep 2026 00:00:00 GMT Learn how an interest only mortgage works in 2026, comparing monthly payments against repayment mortgages, qualifying criteria, and repayment vehicles. Property https://knowmypay.co.uk/blog/loan-to-value-explained https://knowmypay.co.uk/blog/loan-to-value-explained Fri, 11 Sep 2026 00:00:00 GMT Learn how loan to value (LTV) ratios work in 2026/27, how lenders set mortgage interest rates across LTV bands, and how to calculate your ratio. Property https://knowmypay.co.uk/blog/pension-contributions-guide https://knowmypay.co.uk/blog/pension-contributions-guide Fri, 11 Sep 2026 00:00:00 GMT A complete guide to UK pension contributions for 2026/27, covering auto-enrolment rules, tax relief at 20%, 40%, and 45%, and the annual allowance. Pensions https://knowmypay.co.uk/blog/rent-vs-buy-2026-uk https://knowmypay.co.uk/blog/rent-vs-buy-2026-uk Fri, 11 Sep 2026 00:00:00 GMT Compare the full costs of renting versus buying a home in the UK for 2026/27, including mortgage repayments, rent, stamp duty, deposits and maintenance. Property https://knowmypay.co.uk/blog/salary-sacrifice-car-explained https://knowmypay.co.uk/blog/salary-sacrifice-car-explained Fri, 11 Sep 2026 00:00:00 GMT Learn how a salary sacrifice car scheme works in 2026/27, including EV BIK rates, tax savings across salary bands and electric versus petrol comparisons. Car https://knowmypay.co.uk/blog/savings-interest-calculator-guide https://knowmypay.co.uk/blog/savings-interest-calculator-guide Fri, 11 Sep 2026 00:00:00 GMT Learn how to calculate UK savings interest in 2026/27, including compound rates, the Personal Savings Allowance, and the £20,000 tax-free annual ISA limit. Savings https://knowmypay.co.uk/blog/autumn-budget-2026-what-to-expect https://knowmypay.co.uk/blog/autumn-budget-2026-what-to-expect Mon, 07 Sep 2026 00:00:00 GMT The Autumn Budget is on 28 October 2026, confirmed on gov.uk. What is already law, what is not yet announced, and where to check the effect on pay. Tax https://knowmypay.co.uk/blog/attendance-allowance-2026-27 https://knowmypay.co.uk/blog/attendance-allowance-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Attendance Allowance 2026/27 pays £76.70 or £114.60 a week over State Pension age for help with personal care, tax free and not means tested. Benefits https://knowmypay.co.uk/blog/benefit-cap-2026-27 https://knowmypay.co.uk/blog/benefit-cap-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Benefit cap 2026/27: £22,020 outside London and £25,323 in London for couples and families, £14,753 and £16,967 for single people, plus who is exempt. Benefits https://knowmypay.co.uk/blog/bereavement-support-payment-2026-27 https://knowmypay.co.uk/blog/bereavement-support-payment-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Bereavement Support Payment: £3,500 then £350 a month for 18 months with children, £2,500 then £100 a month without, and the three-month claim deadline. Benefits https://knowmypay.co.uk/blog/capital-gains-tax-2026-27 https://knowmypay.co.uk/blog/capital-gains-tax-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Capital gains tax 2026/27: a £3,000 exempt amount, then 18% within the basic rate band and 24% above it on shares and property alike, with worked examples. Investments https://knowmypay.co.uk/blog/car-tax-ved-rates-2026-27 https://knowmypay.co.uk/blog/car-tax-ved-rates-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Car tax 2026/27: first-year rates by CO2 band from £10 to £5,690, the £200 standard rate from year two and the £440 supplement on cars over £40,000. Motoring https://knowmypay.co.uk/blog/carers-allowance-2026-27 https://knowmypay.co.uk/blog/carers-allowance-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Carer's Allowance 2026/27: £86.45 a week for 35 hours of care, with a £204 earnings limit after tax, National Insurance and half your pension payments. Benefits https://knowmypay.co.uk/blog/child-benefit-2026-27 https://knowmypay.co.uk/blog/child-benefit-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Child Benefit 2026/27: £27.05 a week for the eldest child and £17.90 for each other child, and how the tax charge works above £60,000 of income. Family https://knowmypay.co.uk/blog/child-maintenance-rates-2026-27 https://knowmypay.co.uk/blog/child-maintenance-rates-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Child maintenance 2026/27: the CMS formula of 12%, 16% or 19% of gross weekly income to £800, the band to £3,000, shared care reductions and examples. Family https://knowmypay.co.uk/blog/childcare-help-2026-27 https://knowmypay.co.uk/blog/childcare-help-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Childcare help 2026/27: 30 free hours a week for 38 weeks from nine months, Tax-Free Childcare worth up to £2,000 a child, and the earnings rules. Family https://knowmypay.co.uk/blog/company-car-tax-2026-27 https://knowmypay.co.uk/blog/company-car-tax-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Company car tax 2026/27: benefit in kind rates from 4% for electric cars to 37% by CO2 band, the diesel supplement and monthly costs for typical cars. Motoring https://knowmypay.co.uk/blog/corporation-tax-rates-2026-27 https://knowmypay.co.uk/blog/corporation-tax-rates-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Corporation tax 2026/27: 19% on profits up to £50,000, 25% from £250,000, and marginal relief between that taxes each extra pound at 26.5%, with figures. Self-employment https://knowmypay.co.uk/blog/council-tax-bands-explained https://knowmypay.co.uk/blog/council-tax-bands-explained Sat, 05 Sep 2026 00:00:00 GMT How council tax bands work: the 1991 value ranges for bands A to H in England, what each band pays relative to Band D and how to challenge a band. Tax https://knowmypay.co.uk/blog/credit-card-minimum-payments-explained https://knowmypay.co.uk/blog/credit-card-minimum-payments-explained Sat, 05 Sep 2026 00:00:00 GMT Why a credit card balance takes years to clear: what £3,000 at 24.9% costs at each monthly payment, how minimum payments work and how to clear it faster. Savings https://knowmypay.co.uk/blog/dividend-tax-2026-27 https://knowmypay.co.uk/blog/dividend-tax-2026-27 Sat, 05 Sep 2026 00:00:00 GMT Dividend tax 2026/27: a £500 allowance, then 10.75% in the basic rate band, 35.75% in the higher band, 39.35% above £125,140, with examples for directors. Self-employment https://knowmypay.co.uk/blog/emergency-tax-explained https://knowmypay.co.uk/blog/emergency-tax-explained Sat, 05 Sep 2026 00:00:00 GMT Emergency tax is a temporary over-deduction under a W1, M1 or X tax code. What it costs on a new job or a pension lump sum, and how the refund arrives. Payslips https://knowmypay.co.uk/blog/energy-price-cap-october-2026 https://knowmypay.co.uk/blog/energy-price-cap-october-2026 Sat, 05 Sep 2026 00:00:00 GMT Ofgem's price cap for 1 October to 31 December 2026: £1,723 a year for typical use, the unit rates and standing charges behind it, and the VAT change. Household bills https://knowmypay.co.uk/blog/first-time-buyer-deposit-how-much https://knowmypay.co.uk/blog/first-time-buyer-deposit-how-much Sat, 05 Sep 2026 00:00:00 GMT How much deposit a first-time buyer needs in 2026: 5% to 20% on £250,000 to £400,000 homes, the Lifetime ISA bonus, stamp duty relief and other costs. Property https://knowmypay.co.uk/blog/fuel-cost-per-mile-and-ev-charging https://knowmypay.co.uk/blog/fuel-cost-per-mile-and-ev-charging Sat, 05 Sep 2026 00:00:00 GMT What a mile costs in fuel at 30 to 60 mpg and £1.45 a litre, against an electric car charged at home, off peak or on a rapid charger, plus annual totals. Motoring https://knowmypay.co.uk/blog/help-to-buy-isa-bonus-explained https://knowmypay.co.uk/blog/help-to-buy-isa-bonus-explained Sat, 05 Sep 2026 00:00:00 GMT The Help to Buy ISA is closed to new savers but pays a 25% bonus of up to £3,000 on £12,000 saved: the price caps, the 2030 deadline and how to claim. Property https://knowmypay.co.uk/blog/holiday-entitlement-explained https://knowmypay.co.uk/blog/holiday-entitlement-explained Sat, 05 Sep 2026 00:00:00 GMT Statutory holiday is 5.6 weeks a year, capped at 28 days: what part-time, hours-based and irregular-hours workers get, plus bank holidays and pay. Employment https://knowmypay.co.uk/blog/how-much-does-university-cost https://knowmypay.co.uk/blog/how-much-does-university-cost Sat, 05 Sep 2026 00:00:00 GMT The cost of a degree in 2026: £29,370 of tuition fees plus living costs over three years, what the maintenance loan covers and the gap parents fill. Family https://knowmypay.co.uk/blog/how-much-is-100000-after-tax https://knowmypay.co.uk/blog/how-much-is-100000-after-tax Sat, 05 Sep 2026 00:00:00 GMT £100,000 after tax is about £68,557 a year, or £5,713 a month, in 2026/27. Above that the personal allowance tapers and each extra pound is taxed at 62%. Take-home pay https://knowmypay.co.uk/blog/how-much-is-25000-after-tax https://knowmypay.co.uk/blog/how-much-is-25000-after-tax Sat, 05 Sep 2026 00:00:00 GMT £25,000 after tax is about £21,520 a year, or £1,793 a month, in 2026/27 once income tax and National Insurance are deducted. The full breakdown follows. Take-home pay https://knowmypay.co.uk/blog/how-much-is-35000-after-tax https://knowmypay.co.uk/blog/how-much-is-35000-after-tax Sat, 05 Sep 2026 00:00:00 GMT £35,000 after tax is about £28,720 a year, or £2,393 a month, in 2026/27 once income tax and National Insurance are deducted. The full breakdown follows. Take-home pay https://knowmypay.co.uk/blog/how-much-is-45000-after-tax https://knowmypay.co.uk/blog/how-much-is-45000-after-tax Sat, 05 Sep 2026 00:00:00 GMT £45,000 after tax is about £35,920 a year, or £2,993 a month, in 2026/27 once income tax and National Insurance are deducted. The full breakdown follows. Take-home pay https://knowmypay.co.uk/blog/how-much-is-50000-after-tax https://knowmypay.co.uk/blog/how-much-is-50000-after-tax Sat, 05 Sep 2026 00:00:00 GMT £50,000 after tax is £39,520 a year, or £3,293 a month, in 2026/27. The guide shows the working and the six things that move the figure. Take-home pay https://knowmypay.co.uk/blog/how-much-is-60000-after-tax https://knowmypay.co.uk/blog/how-much-is-60000-after-tax Sat, 05 Sep 2026 00:00:00 GMT £60,000 after tax is about £45,357 a year, or £3,780 a month, in 2026/27 once income tax and National Insurance are deducted. The full breakdown follows. Take-home pay https://knowmypay.co.uk/blog/how-much-pension-do-i-need https://knowmypay.co.uk/blog/how-much-pension-do-i-need Sat, 05 Sep 2026 00:00:00 GMT How much pension you need in 2026: the £13,900, £32,700 and £45,400 living standards, the pot each needs after the State Pension and the monthly saving. Pensions https://knowmypay.co.uk/blog/how-much-tax-do-i-pay-on-a-bonus https://knowmypay.co.uk/blog/how-much-tax-do-i-pay-on-a-bonus Sat, 05 Sep 2026 00:00:00 GMT A bonus is taxed at the marginal rate, not a special bonus rate, so a basic rate taxpayer keeps £720 of every £1,000. The month it lands can look worse. Bonuses