As a new tax year starts, everyone should notice that their regular take home pay has changed.

Changes to National Insurance and the State Pension mean anyone who has contracted-out pension contributions until now (those in USS and the NHS Pension Scheme) will see an increase in the amount of National Insurance they pay.

All staff will see their personal tax allowance increased, raising the amount you can earn before tax deductions.

USS contributions are rising for all scheme members, due to scheme changes taking place with effect from 1 April. Full details are available here.

The below table shows how certain populations are affected. Other personal mitigating factors can also affect your take home pay.

	National Insurance contribution	USS contributions	Personal tax allowance	OVERALL
No pension	Stayed the same	Not applicable	Raised, increasing take home pay	Increased
UPS	Stayed the same	Not applicable	Raised, increasing take home pay	Increased
USS	Increased, reducing take home pay	Increased, reducing take home pay	Raised, increasing take home pay	Decreased
NHS	Increased, reducing take home pay	Not applicable	Raised, increasing take home pay	Decreased