Graduate Money and First Salary

Your first graduate payslip is a shock. Student loan, income tax, NI, pension: a big slice of your headline salary disappears before it hits your account. This pillar breaks down what your real take-home is, how to budget against it, and which of the new grown-up money decisions (ISAs, credit cards, pensions) you should actually make in year one.

Your first payslip

  • First Job Salary Breakdown

    First Job Salary Breakdown

    What actually happens to your salary before it hits your bank account, explained clearly.

  • Salary Calculator Graduates

    Salary Calculator Graduates

    Not financial advice. This guide is for general information only. UniSorted is not a regulated financial adviser. If you need personalised advice, speak to a qualified professional via...

  • PAYE Tax NI Explained

    PAYE Tax NI Explained

    Confused by the deductions on your payslip? Get your PAYE tax and NI explained to understand the 1257L tax code and calculate your true take-home pay.

  • Tax Code Checker

    Tax Code Checker

    Millions of UK adults overpay income tax every year due to incorrect or emergency tax codes. Learn how to check your payslip and reclaim up to four years of overpaid tax from HMRC.

  • Understanding Your Payslip

    Understanding Your Payslip

    Landing your first graduate job is a monumental achievement. You have aced the interviews, signed the contract, and put in your first month of hard work. Then, the...

  • Workplace Benefits Explained

    Workplace Benefits Explained

    Did you know that 67% of staff are unaware of what is included in their employee rewards package? Discover how to calculate your total compensation, negotiate lifestyle perks, and maximise your pension contributions.

Budgeting on a grad salary

  • Budgeting on a Graduate Salary

    Budgeting on a Graduate Salary

    Landing your first professional job is exciting, but understanding your real take-home pay is crucial for financial stability. Learn how to master budgeting on a graduate salary using the 50/30/20 rule to manage rent, student loans, and savings.

  • Avoiding Lifestyle Inflation

    Avoiding Lifestyle Inflation

    You have landed the job. The first pay cheque has hit your bank account. It is likely more money than you have ever seen in one go during...

  • Bills and Subscriptions Management

    Bills and Subscriptions Management

    Take the stress out of shared living with our complete guide to student bills management. Discover the best ways to split utility costs fairly, audit your digital subscriptions, and find student-friendly broadband deals.

  • Broadband Comparison Graduates

    Broadband Comparison Graduates

    Discover how to find the best internet deals and avoid costly loyalty penalties with our 2026 guide. We cover everything from choosing the right speeds to splitting bills fairly with your flatmates.

  • Essential Insurance Guide

    Essential Insurance Guide

    Discover why having the right cover is crucial for UK renters and drivers in 2026. This comprehensive guide helps graduates compare policies and save on premiums.

Credit, savings and debt

  • Best Graduate Bank Accounts

    Best Graduate Bank Accounts

    A breakdown of the best UK graduate bank accounts, overdrafts, and switching perks for 2026.

  • Credit Cards for Graduates

    Credit Cards for Graduates

    Not financial advice. This guide is for general information only. UniSorted is not a regulated financial adviser. If you need personalised advice, speak to a qualified professional via...

  • Building Credit After Uni

    Building Credit After Uni

    Graduating means taking control of your financial future, and a strong credit score is essential. Discover practical steps to start building credit after uni, from registering to vote to managing your bills.

  • Savings Accounts and ISAs

    Savings Accounts and ISAs

    Learn the key differences between easy-access savings accounts and tax-free ISAs to maximise your student budget. Start building your financial safety net today with our comprehensive 2026 guide.

  • Personal Loans Explained

    Personal Loans Explained

    Discover everything you need to know before borrowing money in our comprehensive 2026 guide. We break down interest rates, credit scores, and smart repayment strategies.

  • Student Loan Repayment Plans

    Student Loan Repayment Plans

    Not financial advice. This guide is for general information only. UniSorted is not a regulated financial adviser. If you need personalised advice, speak to a qualified professional via...

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