£30,000 Graduate Salary After Tax 2025-26
Take-home pay with and without Plan 2 student loan repayments.
£30,000 — without vs with Plan 2 student loan
| Item | Without student loan | With Plan 2 |
|---|---|---|
| Gross salary | £30,000 | £30,000 |
| Income Tax | −£3,486 | −£3,486 |
| National Insurance | −£1,394 | −£1,394 |
| Student Loan (Plan 2) | — | −£243 |
| Annual take-home | £25,120 | £24,877 |
| Monthly take-home | £2,093 | £2,073 |
Plan 2 student loan breakdown
Calculation: (£30,000 − £27,295) × 9% = £243/year = £20/month
Frequently asked questions
When do I start repaying my student loan on £30,000?
Repayments begin immediately since your salary of £30,000 exceeds the £27,295 Plan 2 threshold. Repayments are taken automatically through PAYE.
How much student loan do I repay per month on £30,000?
On £30,000, your monthly Plan 2 repayment is £20 (£243/year). This is 9% of earnings above £27,295.
Does student loan affect my take-home pay on £30,000?
Yes. Without Plan 2, you take home £25,120/year (£2,093/month). With Plan 2 repayments, you take home £24,877/year (£2,073/month). The difference is £243/year.
What happens if I earn below the repayment threshold?
If your income is at or below £27,295 (Plan 2 threshold for 2025-26), no student loan repayments are deducted — even if you have an outstanding loan balance. Repayments automatically start and stop based on your earnings each pay period.