PayBreakdown - Salary Calculator & Budget Manager

Sources and update policy

Review the official sources PayBreakdown uses for UK tax, National Insurance, student loans, pensions, statutory pay, and financial-promotion guardrails.

What this page helps with

Source pages help users and search engines understand where calculator assumptions come from. PayBreakdown favours official GOV.UK, HMRC, Student Loans Company, and FCA sources where possible.

Official sources

Income Tax rates and Personal AllowancesNational Insurance rates and categoriesStudent loan repayment thresholdsPension tax reliefNational Minimum Wage and National Living Wage ratesStatutory Maternity Pay and LeaveStatutory Sick PayFCA guidance on misleading financial promotionsOff-payroll working and IR35 guidanceUnderstanding off-payroll workingSalary sacrifice for employersNHS Employers pay scales 2026/27NHS Health Careers Agenda for Change pay rates
MethodologySalary CalculatorMortgage Affordability

Frequently asked questions

How often are sources checked?

Source links and calculator assumptions should be checked whenever tax-year, statutory-pay, student-loan, pension, or financial-promotion rules change.

Why use official sources?

Official sources reduce the risk of copying outdated calculator assumptions from third-party summaries.

Last updated 2026-05-07. Planning estimates only. Not financial advice.