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UK · 2026/27

Income Tax Calculator

Calculate income tax across all bands. Enter your personal allowance for your country.

Last reviewed: 3 August 2026Source: HMRC — Income TaxUpdated every: tax-year or rule change
Income Tax Calculator · UKTax & Salary
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Results update when you select Calculate.

Example result based on the prefilled values.

Income Tax

£7,486.00

Effective Rate

14.97%

Taxable Income

£37,430.00

Continue your plan

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Set aside self-employed tax

Separate current tax, balancing payment and January and July cash targets.

Rates & sources2026/27

UK Income Tax bands for 2026/27 and the Personal Allowance taper above £100,000. Scotland has separate rates for non-savings, non-dividend income.

Personal allowance£12,570
Basic rate20% · £12,571 – £50,270
Higher rate40% · £50,271 – £125,140
Additional rate45% · over £125,140

Source: HMRC — Income Tax — source checked for 2026/27.

When to use this calculator

  • Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
  • When you want to compare employed, self-employed, or dividend-based income scenarios.
  • When you need a simple take-home estimate before running payroll or filing returns.
  • When you are approaching the £100,000 income level and want to understand the personal allowance taper effect.
  • When you are planning a salary sacrifice arrangement and need to see the net pay impact before agreeing terms.

Example: checking take-home pay from a UK salary

Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.

Annual gross income

£35,000

Personal Allowance

£12,570

Tax year

2026/27

Goal

Estimate Income Tax and effective rate

Use the salary after tax calculator next if you also need employee National Insurance, pension and student-loan deductions. Scottish taxpayers need the Scotland-specific Income Tax bands.

How to read your results

Income Tax

Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.

Effective Rate

The effective rate lets you compare options on a true like-for-like basis rather than being misled by different compounding periods or fee structures. Use it to cut through headline marketing rates when shortlisting providers or products.

Taxable Income

Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.

Method & assumptionsAuthoritative sources

This calculator applies the 2026/27 UK Income Tax bands for England, Wales and Northern Ireland, including the Personal Allowance taper above £100,000. Scotland has separate bands for non-savings, non-dividend income, so Scottish taxpayers should use the dedicated Scotland calculator.

The calculation assumes a straightforward tax position and does not adjust for Gift Aid, Marriage Allowance, the blind person's allowance, dividends, savings income or other reliefs. It is a planning estimate rather than an HMRC assessment. For multiple income sources, overseas income, share options or other complex circumstances, check GOV.UK or consult a qualified tax adviser.

Common mistakes

  • !Entering gross income when you really want take-home pay, or vice versa.
  • !Ignoring pension contributions, deductions, or local tax rules that change the result.
  • !Comparing monthly and annual figures without standardising them first.
  • !Overlooking the National Insurance threshold changes that apply mid-year when rates or bands are adjusted in a Budget.
  • !Assuming a salary sacrifice benefit reduces take-home pay by the full gross amount, rather than only the after-tax cost.

What to do next

  • Check the same scenario with related pay or deduction calculators to see the full picture.
  • Keep a copy of the assumptions you used so you can compare next tax year or pay period accurately.
  • Read the related guides below if you are choosing between multiple income or deduction options.
  • If you are self-employed, run the self-employment tax calculator alongside this result to compare the net position against employed income.
  • Check whether increasing your pension contribution by even one or two percent changes the take-home significantly — use the pension calculator next.

Go deeper — 4 guides reference this calculator

Frequently asked

The tax calculator applies your gross income to current tax bands and thresholds, accounting for your personal allowance. It then calculates income tax owed, National Insurance contributions, and any applicable deductions (student loans, pension contributions).

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