🧾 Income Tax Calculator

Find Out What You Owe in Income Tax

Enter your pay, choose your region and see your income tax, National Insurance, pension and student loan worked out for the 2026/27 tax year.

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2026/27 Income Tax bands

Band	Taxable income	Rate
Personal Allowance	Up to £12,570	0%
Basic rate	£12,571 to £50,270	20%
Higher rate	£50,271 to £125,140	40%
Additional rate	Over £125,140	45%

Personal Allowance reduces by £1 for every £2 earned above £100,000, reaching £0 at £125,140. Employee National Insurance is separate: 8% between £12,570 and £50,270, then 2% above that.

Understanding UK income tax

How the system works and what changes your take-home pay

How income tax works in 2026/27

Income tax in the UK is progressive: each slice of your income is taxed at its own rate, so earning more never means your whole pay is taxed at the top rate.

£12,570 Personal Allowance, tax-free (it shrinks once income passes £100,000)
20% basic rate on the next slice up to £50,270
40% higher rate from £50,271 to £125,140
45% additional rate above £125,140
Scotland uses its own bands, from 19% to 48%

What this calculator covers

Income tax for England, Wales, Northern Ireland and Scotland
Employee National Insurance (Class 1)
Pension contributions taken before tax
Student loan plans 1, 2, 4, 5 and postgraduate
Tax codes such as 1257L, BR, D0 and K codes
Blind Person's Allowance (+£3,250)
Marriage Allowance (£252 tax saving)
Over State Pension age (no NI)

Who it helps

Employees paid through PAYE
Contractors checking a day rate against a salary
Anyone comparing a job offer with what they earn now

Regions covered

England, Wales and Northern Ireland: the standard UK bands
Scotland: the Scottish income tax bands

Common questions

How is my income tax worked out?

Your Personal Allowance comes off first. The rest of your income is then split across the bands, and each part is taxed at that band's rate.

What if I earn more than £100,000?

Your Personal Allowance drops by £1 for every £2 above £100,000 and disappears completely at £125,140, which is why the effective rate jumps in that range.

Do pension payments reduce my tax?

Yes. Money paid into a pension through your employer's payroll comes off before tax, so your taxable income is lower.

Is my data stored?

No. Every calculation runs in your browser. If you use Copy link, your figures are placed in the link itself, not on a server.

More tools

Gross salary from net pay – work backwards from the pay you want
Capital gains tax – for shares, property and other assets
Inheritance tax – estimate what an estate might owe
Vehicle tax – road tax for cars

Where to check the official figures

These results are estimates for general guidance and are not financial advice. Always confirm important figures with an official source.

Rates last reviewed: 30 September 2026 · Built around the 2026/27 UK tax year