Free Tool • 2026/27 Tax Year

UK Income Tax Calculator

Calculate your income tax, National Insurance, and take-home pay for the 2026/27 tax year. Includes personal allowance taper, student loan deductions, and pension contributions.

Your Details

£

Quick Examples

Take Home

£0

£0/mo

Income Tax

£0

£0/mo

National Ins.

£0

£0/mo

Effective Rate

0.0%

tax + NI

Tax Breakdown

BandRateTaxableTax
Personal Allowance0%£0£0.00
Total Income Tax£0.00

Full Summary

Gross Annual Salary£0
Income Tax−£0
National Insurance−£0
Annual Take-Home Pay£0

Monthly

£0

Weekly

£0

Daily

£0

2026/27 Tax Bands Reference

Income Tax Bands

Personal Allowance (0%)Up to £12,570
Basic Rate (20%)£12,570 – £50,270
Higher Rate (40%)£50,270 – £125,140
Additional Rate (45%)Over £125,140

National Insurance (Employee)

No NI (0%)Up to £12,570
Main Rate (8%)£12,570 – £50,270
Additional Rate (2%)Over £50,270

How to Use This Tax Estimate

This calculator is designed for quick planning. Use it to understand the shape of your deductions, then check the details before making payroll, pension, or tax-planning decisions.

Good for

  • Estimating take-home pay from employment income
  • Seeing how pension contributions affect taxable income
  • Checking the Personal Allowance taper above GBP100,000

Watch for

  • Select Scotland if you are a Scottish taxpayer; dividend and savings income can follow different UK-wide rules
  • Benefits in kind, tax code changes, bonuses, and salary sacrifice can change the result
  • Student loan deductions depend on the correct plan being selected

Speak to an accountant when

  • Your income is near GBP100,000 or GBP125,140
  • You receive dividends, rental income, capital gains, or foreign income
  • You want to compare pension, salary sacrifice, or company-director options

Want Expert Tax Advice?

This calculator gives you a helpful estimate. For personalised tax planning, connect with a UK tax specialist.

Find a Tax Specialist

Uses 2026/27 UK rates and thresholds reviewed on 10 May 2026. Results are estimates only.

GOV.UK source