Payslip Checker for London on Tax Code 0T

No personal allowance, taxed at all band rates. Tailored guidance for London payroll on the UK 2026/27 PAYE bands.

London is a major metro economy of around 9,650k residents in Greater London. Median full-time gross pay for the area sits near £44,400 per year (ONS ASHE 2024), and most local employees see their PAYE deducted before they ever check the breakdown. This page focuses specifically on what tax code 0T should look like on a London payslip. Because 0T is a stable PAYE code, the monthly figures should be broadly consistent across the tax year. England uses the rest-of-UK PAYE bands, so the standard 20% / 40% / 45% rates apply alongside 0T.

What does 0T mean for London workers?

0T carries a personal allowance of £0 spread across the year. For most London employees, 0T should appear in the same place on every payslip, with the deductions tracking smoothly month to month.

0T applies all the standard tax bands (20%, 40%, 45%) but with no personal allowance. Often used when an employer does not have enough information to apply 1257L, or for second jobs where another tax-free allowance is exhausted elsewhere.

Effective tax + NI rate on this salary: 28.8%. Estimates based on ONS ASHE median earnings 2024 - your actual pay may differ.

Local context for London

London payslips use the rest-of-UK PAYE bands: 20% basic up to £50,270, 40% higher up to £125,140, then 45% additional above that. National Insurance for a category-A employee is 8% between the primary threshold and the upper earnings limit, then 2% above. Council tax is settled separately via your local authority and is not a payslip line.

Common payroll questions in London

Should my London payslip show tax code 0T?

0T should appear if your circumstances match what HMRC expects for this code (no personal allowance, taxed at all band rates.). On a typical London salary of £44,400 you would expect roughly £852 of income tax per month under this code.

Why does my London payslip differ from a colleague's on the same code?

Two London colleagues on tax code 0T can still see different deductions because pension contributions, salary sacrifice, student loan plan, taxable benefits and overtime all sit alongside the tax code. The code only governs the income-tax line. Match the code first, then check pension and NI category, then the variable lines.

How does London compare to other UK cities for 0T take-home?

London's take-home tracks the rest-of-UK PAYE table directly. The same gross pay anywhere in England would yield the same income tax and NI; differences across cities come from local pay levels, not the tax code itself.

What should I do if 0T looks wrong on my London payslip?

Start with your most recent payslip and your latest HMRC P2 coding notice. If the code on your payslip does not match the code on the P2, the employer is the right first call. If they match but the figure looks wrong, contact HMRC on 0300 200 3300 - your tax code is set by HMRC, not by your London employer. You can also upload your payslip to PayslipIQ for a free instant breakdown.