{"title":"What a £1,000 pay rise is worth in 2026/27","publisher":"IsMyPayRight","version":"1.0","published":"2026-09-26","taxYear":"2026-27","url":"https://www.ismypayright.co.uk/guides/1000-pay-rise-after-tax-2026-27","engineRevision":"c2d1ed6c80f187b2b4b07283222eb78ec8a4957b","monetaryUnit":"GBP","grossAnnualRise":1000,"observationType":"Modelled scenarios, not surveyed or observed employees","assumptions":["Full-year salary before versus full-year salary after, within 2026/27.","Standard Personal Allowance, including its income taper; no tax-code override.","Employee NI category A; annual thresholds, not exact pay-period deductions.","No pension contributions, salary sacrifice, other income, benefits in kind or allowances.","Loans assumed due for repayment throughout, with balances sufficient for all deductions.","Loan plans are assigned by loan history, not freely selected or determined by current tax region.","Monthly equivalent is annual change divided by 12, rounded to two decimals.","Excludes benefit withdrawal, Child Benefit charge, childcare eligibility, inflation and employer costs.","No lifetime loan-cost or loan write-off estimate. Repayments are not labelled as tax.","Salary points deliberately cover common amounts and thresholds; no population weighting."],"sources":["https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027","https://www.gov.uk/income-tax-rates","https://www.gov.scot/publications/scottish-income-tax-rates-and-bands/pages/2026-to-2027/","https://www.gov.uk/repaying-your-student-loan/what-you-pay","https://www.gov.uk/repaying-your-student-loan/which-repayment-plan-you-are-on"],"salaries":[25000,28000,30000,35000,40000,50000,60000,80000,100000,110000,125000,150000],"regions":[{"id":"england","label":"England, Wales and Northern Ireland"},{"id":"scotland","label":"Scotland"}],"loanScenarios":[{"id":"none","label":"No student loan","plans":[]},{"id":"plan1","label":"Plan 1","plans":["plan1"]},{"id":"plan2","label":"Plan 2","plans":["plan2"]},{"id":"plan4","label":"Plan 4","plans":["plan4"]},{"id":"plan5","label":"Plan 5","plans":["plan5"]},{"id":"postgraduate","label":"Postgraduate only","plans":["postgraduate"]},{"id":"plan1-pg","label":"Plan 1 + postgraduate","plans":["plan1","postgraduate"]},{"id":"plan2-pg","label":"Plan 2 + postgraduate","plans":["plan2","postgraduate"]},{"id":"plan4-pg","label":"Plan 4 + postgraduate","plans":["plan4","postgraduate"]},{"id":"plan5-pg","label":"Plan 5 + postgraduate","plans":["plan5","postgraduate"]}],"fields":{"extraNetAnnual":"Annual change in take-home pay after Income Tax, employee NI and loan repayments.","retainedPercent":"extraNetAnnual divided by £1,000, multiplied by 100; not a statutory tax rate.","extraNetMonthlyEquivalent":"extraNetAnnual divided by 12; not the change on an exact monthly payslip.","beforeCalculatorHref":"Calculator inputs reproducing the annual before result.","afterCalculatorHref":"Calculator inputs reproducing the annual after result."},"reuse":"The original analysis, tables and chart may be reused with credit and a link to the report. Keep assumptions and tax year attached. Official source material retains its own terms.","scenarioCount":240, "rows":[ {"region":"england","loanScenario":"none","salaryBefore":25000,"salaryAfter":26000,"netBefore":21519.6,"netAfter":22239.6,"extraIncomeTax":200,"extraNI":80,"extraLoanRepayments":0,"extraNetAnnual":720,"extraNetMonthlyEquivalent":60,"retainedPercent":72,"beforeCalculatorHref":"/calculator#salary=25000®ion=england&frequency=year&taxYear=2026-27","afterCalculatorHref":"/calculator#salary=26000®ion=england&frequency=year&taxYear=2026-27"}, {"region":"england","loanScenario":"plan1","salaryBefore":25000,"salaryAfter":26000,"netBefore":21519.6,"netAfter":22239.6,"extraIncomeTax":200,"extraNI":80,"extraLoanRepayments":0,"extraNetAnnual":720,"extraNetMonthlyEquivalent":60,"retainedPercent":72,"beforeCalculatorHref":"/calculator#salary=25000®ion=england&frequency=year&taxYear=2026-27&studentLoans=plan1","afterCalculatorHref":"/calculator#salary=26000®ion=england&frequency=year&taxYear=2026-27&studentLoans=plan1"}, 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