Type to search calculators
This UK income tax calculator estimates the Income Tax due on an annual income for the 2026/27 tax year, band by band, for England, Wales, Northern Ireland and Scotland.
It answers the question “how much income tax will I pay?” for earned income. It calculates Income Tax only: National Insurance, student loan repayments, pension deductions, dividend tax and tax on savings are deliberately excluded, and each has its own calculator.
Last reviewed · Tax year 2026/27· Rate set: income-tax-2026-27
Estimated Income Tax — annual
£4,486.00
Income after Income Tax — annual
£30,514.00
| Band | Taxable in band | Rate | Tax in band |
|---|---|---|---|
| Basic rate | £22,430.00 | 20% | £4,486.00 |
| Higher rate | £0.00 | 40% | £0.00 |
| Additional rate | £0.00 | 45% | £0.00 |
Income Tax only. This figure does not include National Insurance, student loan repayments, pension contributions, dividend tax or tax on savings interest.
The headline figures are the Income Tax estimated for the whole tax year and the income you keep after that tax. Switch between annual, monthly and weekly to see the same annual calculation presented over a shorter period.
The effective rate is your total Income Tax divided by your income, so it is always lower than your top band rate. The marginal rate is the statutory rate that would apply to your next £1 of taxable income. Personal Allowance used shows the allowance left after any taper, and taxable income is what the bands are applied to.
Most people can receive a Personal Allowance of £12,570 before paying Income Tax. Income above that allowance is taxable and is charged in slices: each band taxes only the part of your taxable income that falls inside it, which is why moving into a higher band never reduces your take-home pay.
In England, Wales and Northern Ireland the basic rate of 20% applies to the first £37,700 of taxable income. The 40% higher rate applies to taxable income from £37,701 to £125,140 — with a full allowance, the 40% tax threshold is reached at around £50,270 of income. The additional rate of 45% applies above £125,140 of taxable income.
Scotland sets its own rates and bands on earnings, with six bands from 19% to 48%. The Personal Allowance itself is a UK-wide figure, so a Scottish taxpayer receives the same allowance but pays Scottish rates on taxable income.
An employee living in England earns £35,000 with a full Personal Allowance.
Estimated Income Tax is £4,486, leaving £30,514 before other deductions.
A Scottish taxpayer earns £60,000 with a full Personal Allowance.
Estimated Income Tax is £13,182.05 for the year.
Someone in England has adjusted net income of £110,000.
Estimated Income Tax is £33,432, an effective rate of about 30.4%.
The result depends on the following. If any of them do not match your situation, treat the figure as indicative only.
All figures come from a single versioned rate set, income-tax-2026-27, reviewed against the GOV.UK sources listed below on 20 September 2026. Nothing is scraped at runtime and no rate is hard-coded inside the interface.
The engine is pure TypeScript and runs entirely in your browser. It computes the available Personal Allowance, derives taxable income, then applies each band in order, keeping full precision internally and rounding only when a figure is displayed. Unit tests check published boundaries including £12,570, £50,270, £125,140 and the Scottish band edges.
These rates apply to taxable income, meaning income after the Personal Allowance has been deducted.
A Scottish income tax calculation uses six bands on earned income. National Insurance remains UK-wide and is not affected by where you live.
Once adjusted net income passes £100,000, the Personal Allowance falls by £1 for every £2 of income above that point, and disappears entirely at £125,140. Losing allowance means extra income is taxed twice over in effect: once at the statutory band rate, and again because previously tax-free income becomes taxable.
In England, Wales and Northern Ireland this produces a well-known effective rate of about 60% on income between £100,000 and £125,140, even though the statutory band rate remains 40%. Adjusted net income can be reduced by allowable items such as personal pension contributions and gift aid donations, which is why the calculator lets you enter it separately.
Enter your annual income and where you live, and the calculator shows the Income Tax estimated for the 2026/27 tax year, band by band, plus your income after Income Tax. Remember that a payslip also has National Insurance and possibly pension and student loan deductions.
In England, Wales and Northern Ireland: 20% on the first £37,700 of taxable income, 40% from £37,701 to £125,140, and 45% above that. Scotland has six bands from 19% to 48%.
The higher rate applies to taxable income above £37,700. With the full £12,570 Personal Allowance, that equates to income of about £50,270. If your allowance is reduced, the threshold in terms of gross income arrives sooner.
No. This is an Income Tax calculator only. National Insurance is a separate charge with its own thresholds — use the National Insurance or take-home pay calculators for a full payslip view.
The allowance is reduced by £1 for every £2 of adjusted net income above £100,000 and reaches zero at £125,140. The calculator applies this automatically and flags when you are inside that range.
Yes. Scotland sets its own rates and bands on non-savings, non-dividend income. Choose Scotland and the breakdown switches to the Scottish bands. Savings and dividend income remain taxed at UK-wide rates.
Northern Ireland uses the UK rates. Wales can set Welsh rates of Income Tax, and for 2026/27 they are set at the same level as England and Northern Ireland, so the result is identical.
Your tax code, savings and dividend income, benefits in kind, Marriage Allowance, Blind Person’s Allowance, reliefs, multiple income sources and in-year adjustments can all change the outcome. This is a general estimate, not tax advice.
Please note: Results are estimates for general information only and are not financial, tax or legal advice. Figures depend on the assumptions listed on each page and on your personal circumstances.
See what lands in your account each month after income tax, National Insurance and pension.
Estimate employee Class 1, employer National Insurance and self-employed Class 4 contributions.
Estimate payslip deductions, net pay, employer National Insurance, pension and total employment cost.
Work out tax on dividends alongside salary, using the dividend allowance and rates.