Household money, with the sums left in.
Plain UK guides to budgets, bills, saving, pensions and tax. Every official figure has a tax year or date, and a source. Nothing here tells you what to do with your own money.
How much income tax and National Insurance will I pay?
The Personal Allowance. So how much tax comes off a real salary?
Pensions, 2026/278%How much actually goes into a workplace pension?
Of what, exactly? Usually not your full pay.
Tax, 2026/27£1,000Do I pay tax on my savings interest?
Tax-free interest at basic rate, with a rate rise due in April 2027.
Bills, Oct to Dec 202626.32pHow do I read my energy bill and check it is right?
The capped average price of a unit of electricity by Direct Debit.
Saving×3How much should I have in emergency savings?
Three months of essentials: the common target, tested against sick pay.
Budgeting, worked example£95How do I make a household budget that lasts the whole month?
A monthly pot that stops yearly bills from wrecking the plan.
This is how we show a sum
Monthly take-home on three salaries in 2026/27, outside Scotland, before pension and student loan. The workings are in our income tax guide, using the rates published on GOV.UK for income tax and National Insurance.
| Each month | £24,000 | £36,000 | £60,000 |
|---|---|---|---|
| Gross pay | £2,000.00 | £3,000.00 | £5,000.00 |
| Income tax | −£190.50 | −£390.50 | −£952.67 |
| National Insurance | −£76.16 | −£156.16 | −£267.50 |
| Left | £1,733.34 | £2,453.34 | £3,779.83 |
We show the working. The decision stays with you.
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