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Useful next calculations
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.
| Band / figure | Rate |
|---|---|
| Personal allowance | £12,570 |
| Basic rate | 20% · £12,571 – £50,270 |
| Higher rate | 40% · £50,271 – £125,140 |
| Additional rate | 45% · 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 a simple take-home estimate before payroll or filing.
- When you are approaching the £100,000 income level and want to see the personal allowance taper.
- When you need to convert between hourly, monthly and annual pay.
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.
| Input | Value |
|---|---|
| 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 deductions before the tax year closes. It is a planning estimate, not a filed return.
Effective Rate
The effective rate lets you compare options on a like-for-like basis rather than being misled by different compounding periods or fee structures.
Taxable Income
Review this figure alongside your gross income so you can understand deductions before the tax year closes. It is a planning estimate, not a filed return.
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 National Insurance or student-loan plan differences that apply to you.
What to do next
- Check the same scenario with related pay or deduction calculators.
- Keep a copy of the assumptions so you can compare the next tax year or pay period.
- If you are self-employed, compare this result with the self-employment tax calculator.
- Check whether a small pension contribution change moves take-home pay more than you expect.
Go deeper — 4 guides reference this calculator
UK Tax Year 2025/26: Complete Guide to Allowances, Bands & Thresholds
Full reference for the 2025/26 UK tax year — income tax bands, Personal Allowance, National Insurance, ISA allowance, pension limits, stamp duty changes.
UK Self-Employed Tax Guide: Self Assessment, Payments on Account, Allowable Expenses
How self-employed tax works in the UK — registering with HMRC, the Self Assessment deadline, payments on account, what you can claim, and Class 2/4 NI.
Pay Rise Calculator Guide: What a Gross Raise Becomes After Tax, NI and Pension
Turn a gross salary increase into a real take-home figure by checking tax, National Insurance, pension contributions and inflation together.
UK Tax Code Guide: 1257L, K Codes, Emergency Codes and What to Do
How to read a UK tax code, what common letters mean, why emergency codes happen, and how to check your payslip against the right net pay.
Frequently asked
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