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
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.
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.
Yes. Money paid into a pension through your employer's payroll comes off before tax, so your taxable income is lower.
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
- GOV.UK: Income Tax rates and Personal Allowances
- GOV.UK: National Insurance rates and categories
- GOV.UK: Scottish Income Tax rates
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
Based on 2026/27 UK tax rates. Results are estimates and not financial advice.
Related calculators
Related guides
Why crossing £100,000 can cost you more than the headline 40% rate suggests, and what you can do about it.
Scotland sets its own Income Tax bands. Here's exactly how they differ from the rest of the UK, and who ends up paying more.
1257L is the standard tax code for most UK employees — here's exactly what the numbers and letter mean, and when yours might look different.
What counts as a chargeable gain, how much you can make tax-free, and how the basic and higher rates are actually applied.
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