UK Income Tax Calculator 2026/27
Tax year 2026/27
Enter your income and press Calculate to see your tax, take-home income and the tax per bracket.
About the UK Income Tax Calculator
Work out UK income tax and employee National Insurance for the 2026/27 tax year (6 April 2026 to 5 April 2027) from your gross annual salary in pounds. The calculator applies the personal allowance, the basic, higher and additional rates and shows your take-home pay.
The rates are those for England, Wales and Northern Ireland; Scotland has its own income tax bands.
How it is calculated
The first £12,570 of income is tax-free (personal allowance). The next £37,700 is taxed at 20%, income up to £125,140 at 40% and anything above at 45%. For income above £100,000 the personal allowance is reduced by £1 for every £2, so it disappears completely at £125,140.
Employee National Insurance (Class 1) is 8% on earnings between £12,570 and £50,270 and 2% above that. Pension contributions, student loan repayments and tax codes other than the standard 1257L are not included.
Income tax brackets 2026/27
| Income band | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,570 – £50,270 | 20% |
| £50,270 – £125,140 | 40% |
| Over £125,140 | 45% |
Worked example: Income of £45,000
| Taxable income | £32,430 |
|---|---|
| £0 – £37,700 × 20% | £6,486 |
| Income tax | £6,486 |
| National Insurance (employee) | £2,594 |
| Total tax | £9,080 |
| Income after tax | £35,920 |
| Effective tax rate | 20.18% |
This calculator gives an estimate of income tax for 2026/27 based on the published brackets. It does not replace advice from a tax adviser or the tax authority.
Source: GOV.UK (HMRC) – Income Tax rates and Personal Allowances · Rates checked: November 1, 2026
Frequently asked questions
What is the personal allowance for 2026/27?
£12,570. It has been frozen and stays at this level until April 2031.
Why is the tax rate 60% between £100,000 and £125,140?
Because the personal allowance is withdrawn in that range: each extra £2 of income removes £1 of allowance, so the effective marginal rate is 40% plus 20%.
Does this include National Insurance?
Yes, employee Class 1 National Insurance is shown on a separate line and included in the total.