{
  "name": "Student-loan plans: compare take-home pay",
  "version": "2026-09-17",
  "taxYear": "2026/27",
  "currency": "GBP",
  "type": "Modelled employee pay comparison",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "methodologyUrl": "https://aftertaxcalculator.app/methodology",
  "landingPage": "https://aftertaxcalculator.app/research/student-loans",
  "assumptions": [
    "2026/27 annual employee estimate, standard Personal Allowance with any income taper; employee NI category A, below State Pension age.",
    "No benefits in kind, tax-code adjustments, Child Benefit charge, other income or bonus. Pension and loan assumptions are stated in each table.",
    "Annual thresholds are used. Actual PAYE, NI and student-loan payroll deductions can differ because of pay-period thresholds, rounding and irregular pay.",
    "England, Wales and Northern Ireland Income Tax; no pension. A loan plan is determined by borrowing history, not selected to minimize deductions.",
    "Monthly figures are annual estimates divided by 12, not payroll-period calculations. Multiple undergraduate plans use the lowest active threshold; postgraduate repayments can be additional. This study does not model loan interest, balances, repayment terms or write-offs."
  ],
  "sources": [
    {
      "title": "HMRC employer rates and thresholds 2026/27",
      "url": "https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027"
    },
    {
      "title": "HMRC student-loan payroll guidance",
      "url": "https://www.gov.uk/guidance/special-rules-for-student-loans"
    }
  ],
  "columns": [
    {
      "key": "salary_gbp",
      "label": "Gross salary / year",
      "format": "gbp"
    },
    {
      "key": "loan_plan",
      "label": "Loan plan"
    },
    {
      "key": "loan_year_gbp",
      "label": "Loan / year",
      "format": "gbp"
    },
    {
      "key": "loan_month_gbp",
      "label": "Loan / month",
      "format": "gbp"
    },
    {
      "key": "net_month_gbp",
      "label": "Take-home / month",
      "format": "gbp"
    }
  ],
  "rows": [
    {
      "salary_gbp": 30000,
      "loan_plan": "None",
      "loan_year_gbp": 0,
      "loan_month_gbp": 0,
      "net_month_gbp": 2093.3,
      "calculator_url": "/#salary=30000&year=2026%2F27"
    },
    {
      "salary_gbp": 30000,
      "loan_plan": "Plan 1",
      "loan_year_gbp": 279,
      "loan_month_gbp": 23.25,
      "net_month_gbp": 2070.05,
      "calculator_url": "/#salary=30000&year=2026%2F27&loans=1"
    },
    {
      "salary_gbp": 30000,
      "loan_plan": "Plan 2",
      "loan_year_gbp": 55.35,
      "loan_month_gbp": 4.61,
      "net_month_gbp": 2088.69,
      "calculator_url": "/#salary=30000&year=2026%2F27&loans=2"
    },
    {
      "salary_gbp": 30000,
      "loan_plan": "Plan 4",
      "loan_year_gbp": 0,
      "loan_month_gbp": 0,
      "net_month_gbp": 2093.3,
      "calculator_url": "/#salary=30000&year=2026%2F27&loans=4"
    },
    {
      "salary_gbp": 30000,
      "loan_plan": "Plan 5",
      "loan_year_gbp": 450,
      "loan_month_gbp": 37.5,
      "net_month_gbp": 2055.8,
      "calculator_url": "/#salary=30000&year=2026%2F27&loans=5"
    },
    {
      "salary_gbp": 30000,
      "loan_plan": "Postgraduate",
      "loan_year_gbp": 540,
      "loan_month_gbp": 45,
      "net_month_gbp": 2048.3,
      "calculator_url": "/#salary=30000&year=2026%2F27&loans=pg"
    },
    {
      "salary_gbp": 30000,
      "loan_plan": "Plan 2 + postgraduate",
      "loan_year_gbp": 595.35,
      "loan_month_gbp": 49.61,
      "net_month_gbp": 2043.69,
      "calculator_url": "/#salary=30000&year=2026%2F27&loans=2%2Cpg"
    },
    {
      "salary_gbp": 40000,
      "loan_plan": "None",
      "loan_year_gbp": 0,
      "loan_month_gbp": 0,
      "net_month_gbp": 2693.3,
      "calculator_url": "/#salary=40000&year=2026%2F27"
    },
    {
      "salary_gbp": 40000,
      "loan_plan": "Plan 1",
      "loan_year_gbp": 1179,
      "loan_month_gbp": 98.25,
      "net_month_gbp": 2595.05,
      "calculator_url": "/#salary=40000&year=2026%2F27&loans=1"
    },
    {
      "salary_gbp": 40000,
      "loan_plan": "Plan 2",
      "loan_year_gbp": 955.35,
      "loan_month_gbp": 79.61,
      "net_month_gbp": 2613.69,
      "calculator_url": "/#salary=40000&year=2026%2F27&loans=2"
    },
    {
      "salary_gbp": 40000,
      "loan_plan": "Plan 4",
      "loan_year_gbp": 558.45,
      "loan_month_gbp": 46.54,
      "net_month_gbp": 2646.76,
      "calculator_url": "/#salary=40000&year=2026%2F27&loans=4"
    },
    {
      "salary_gbp": 40000,
      "loan_plan": "Plan 5",
      "loan_year_gbp": 1350,
      "loan_month_gbp": 112.5,
      "net_month_gbp": 2580.8,
      "calculator_url": "/#salary=40000&year=2026%2F27&loans=5"
    },
    {
      "salary_gbp": 40000,
      "loan_plan": "Postgraduate",
      "loan_year_gbp": 1140,
      "loan_month_gbp": 95,
      "net_month_gbp": 2598.3,
      "calculator_url": "/#salary=40000&year=2026%2F27&loans=pg"
    },
    {
      "salary_gbp": 40000,
      "loan_plan": "Plan 2 + postgraduate",
      "loan_year_gbp": 2095.35,
      "loan_month_gbp": 174.61,
      "net_month_gbp": 2518.69,
      "calculator_url": "/#salary=40000&year=2026%2F27&loans=2%2Cpg"
    },
    {
      "salary_gbp": 50000,
      "loan_plan": "None",
      "loan_year_gbp": 0,
      "loan_month_gbp": 0,
      "net_month_gbp": 3293.3,
      "calculator_url": "/#salary=50000&year=2026%2F27"
    },
    {
      "salary_gbp": 50000,
      "loan_plan": "Plan 1",
      "loan_year_gbp": 2079,
      "loan_month_gbp": 173.25,
      "net_month_gbp": 3120.05,
      "calculator_url": "/#salary=50000&year=2026%2F27&loans=1"
    },
    {
      "salary_gbp": 50000,
      "loan_plan": "Plan 2",
      "loan_year_gbp": 1855.35,
      "loan_month_gbp": 154.61,
      "net_month_gbp": 3138.69,
      "calculator_url": "/#salary=50000&year=2026%2F27&loans=2"
    },
    {
      "salary_gbp": 50000,
      "loan_plan": "Plan 4",
      "loan_year_gbp": 1458.45,
      "loan_month_gbp": 121.54,
      "net_month_gbp": 3171.76,
      "calculator_url": "/#salary=50000&year=2026%2F27&loans=4"
    },
    {
      "salary_gbp": 50000,
      "loan_plan": "Plan 5",
      "loan_year_gbp": 2250,
      "loan_month_gbp": 187.5,
      "net_month_gbp": 3105.8,
      "calculator_url": "/#salary=50000&year=2026%2F27&loans=5"
    },
    {
      "salary_gbp": 50000,
      "loan_plan": "Postgraduate",
      "loan_year_gbp": 1740,
      "loan_month_gbp": 145,
      "net_month_gbp": 3148.3,
      "calculator_url": "/#salary=50000&year=2026%2F27&loans=pg"
    },
    {
      "salary_gbp": 50000,
      "loan_plan": "Plan 2 + postgraduate",
      "loan_year_gbp": 3595.35,
      "loan_month_gbp": 299.61,
      "net_month_gbp": 2993.69,
      "calculator_url": "/#salary=50000&year=2026%2F27&loans=2%2Cpg"
    },
    {
      "salary_gbp": 60000,
      "loan_plan": "None",
      "loan_year_gbp": 0,
      "loan_month_gbp": 0,
      "net_month_gbp": 3779.78,
      "calculator_url": "/#salary=60000&year=2026%2F27"
    },
    {
      "salary_gbp": 60000,
      "loan_plan": "Plan 1",
      "loan_year_gbp": 2979,
      "loan_month_gbp": 248.25,
      "net_month_gbp": 3531.53,
      "calculator_url": "/#salary=60000&year=2026%2F27&loans=1"
    },
    {
      "salary_gbp": 60000,
      "loan_plan": "Plan 2",
      "loan_year_gbp": 2755.35,
      "loan_month_gbp": 229.61,
      "net_month_gbp": 3550.17,
      "calculator_url": "/#salary=60000&year=2026%2F27&loans=2"
    },
    {
      "salary_gbp": 60000,
      "loan_plan": "Plan 4",
      "loan_year_gbp": 2358.45,
      "loan_month_gbp": 196.54,
      "net_month_gbp": 3583.25,
      "calculator_url": "/#salary=60000&year=2026%2F27&loans=4"
    },
    {
      "salary_gbp": 60000,
      "loan_plan": "Plan 5",
      "loan_year_gbp": 3150,
      "loan_month_gbp": 262.5,
      "net_month_gbp": 3517.28,
      "calculator_url": "/#salary=60000&year=2026%2F27&loans=5"
    },
    {
      "salary_gbp": 60000,
      "loan_plan": "Postgraduate",
      "loan_year_gbp": 2340,
      "loan_month_gbp": 195,
      "net_month_gbp": 3584.78,
      "calculator_url": "/#salary=60000&year=2026%2F27&loans=pg"
    },
    {
      "salary_gbp": 60000,
      "loan_plan": "Plan 2 + postgraduate",
      "loan_year_gbp": 5095.35,
      "loan_month_gbp": 424.61,
      "net_month_gbp": 3355.17,
      "calculator_url": "/#salary=60000&year=2026%2F27&loans=2%2Cpg"
    },
    {
      "salary_gbp": 100000,
      "loan_plan": "None",
      "loan_year_gbp": 0,
      "loan_month_gbp": 0,
      "net_month_gbp": 5713.12,
      "calculator_url": "/#salary=100000&year=2026%2F27"
    },
    {
      "salary_gbp": 100000,
      "loan_plan": "Plan 1",
      "loan_year_gbp": 6579,
      "loan_month_gbp": 548.25,
      "net_month_gbp": 5164.87,
      "calculator_url": "/#salary=100000&year=2026%2F27&loans=1"
    },
    {
      "salary_gbp": 100000,
      "loan_plan": "Plan 2",
      "loan_year_gbp": 6355.35,
      "loan_month_gbp": 529.61,
      "net_month_gbp": 5183.5,
      "calculator_url": "/#salary=100000&year=2026%2F27&loans=2"
    },
    {
      "salary_gbp": 100000,
      "loan_plan": "Plan 4",
      "loan_year_gbp": 5958.45,
      "loan_month_gbp": 496.54,
      "net_month_gbp": 5216.58,
      "calculator_url": "/#salary=100000&year=2026%2F27&loans=4"
    },
    {
      "salary_gbp": 100000,
      "loan_plan": "Plan 5",
      "loan_year_gbp": 6750,
      "loan_month_gbp": 562.5,
      "net_month_gbp": 5150.62,
      "calculator_url": "/#salary=100000&year=2026%2F27&loans=5"
    },
    {
      "salary_gbp": 100000,
      "loan_plan": "Postgraduate",
      "loan_year_gbp": 4740,
      "loan_month_gbp": 395,
      "net_month_gbp": 5318.12,
      "calculator_url": "/#salary=100000&year=2026%2F27&loans=pg"
    },
    {
      "salary_gbp": 100000,
      "loan_plan": "Plan 2 + postgraduate",
      "loan_year_gbp": 11095.35,
      "loan_month_gbp": 924.61,
      "net_month_gbp": 4788.5,
      "calculator_url": "/#salary=100000&year=2026%2F27&loans=2%2Cpg"
    }
  ]
}