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UK Tax Calculator

Estimate your income tax and National Insurance for 2026/27. Applies to England, Wales and Northern Ireland. Scottish taxpayers have different rates.

Annual
Monthly
Weekly
£
None
Plan 1
Plan 2
Plan 4
Plan 5
Where it goes
Full breakdown
⚠️ Estimates only — does not account for pension contributions, benefits, dividends or other deductions. Always verify with HMRC or a qualified accountant.

About the UK Tax Calculator

The UK Income Tax system uses a banded structure. For 2026/27, the personal allowance is £12,570 — income below this threshold is tax-free. The basic rate (20%) applies to income between £12,571 and £50,270. The higher rate (40%) applies between £50,271 and £125,140. The additional rate (45%) applies above £125,140.

National Insurance is calculated separately. Employees pay Class 1 NI at 8% on earnings between £12,570 and £50,270, and 2% above that threshold. Self-employed workers pay Class 4 NI (6% on profits between £12,570 and £50,270, 2% above). Class 2 NI was abolished from April 2024 — profits above £7,105 still build State Pension entitlement for free.

Scottish taxpayers are subject to different income tax rates set by the Scottish Parliament, though NI remains the same across the UK. This calculator covers England, Wales and Northern Ireland rates.

Related tools: use the VAT Calculator for sales tax, the Pension Calculator to model retirement contributions, or the Inflation Calculator to understand the real value of your earnings over time.

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How to use the UK Tax Calculator

1
Enter your gross annual salary
2
Select employed or self-employed
3
Choose the tax year
4
Tap Calculate — see tax, NI, net pay and effective rate

Take-home pay by salary (2026/27)

Estimated income tax, National Insurance and take-home pay for an employed person in England, Wales or Northern Ireland in the 2026/27 tax year, with the full £12,570 personal allowance and no student loan. A guide only.

SalaryIncome taxNITake-homeMonthly
£25,000£2,486£994£21,520£1,793
£35,000£4,486£1,794£28,720£2,393
£50,000£7,486£2,994£39,520£3,293
£75,000£17,432£3,511£54,057£4,505
£100,000£27,432£4,011£68,557£5,713

Frequently Asked Questions

ℹ️ Accuracy note: Based on HMRC 2026/27 tax rates and thresholds. Updated April 2025. For guidance only — consult a qualified tax adviser for personal advice.
Yes — Class 1 for employees, Class 4 for self-employed.
Pension contributions, student loan, Scottish rates and non-standard tax codes are not included.
£12,570 for 2026/27. It reduces by £1 for every £2 earned above £100,000.
For 2026/27: 0% on income up to £12,570 (personal allowance). 20% on £12,571–£50,270 (basic rate). 40% on £50,271–£125,140 (higher rate). 45% on income above £125,140 (additional rate). Note: your personal allowance is reduced by £1 for every £2 earned over £100,000.
Between £100,000 and £125,140, your personal allowance is withdrawn at 50p per extra pound of income. Combined with the 40% higher rate, this creates an effective marginal rate of 60% — you keep just 40p of each extra pound earned. Pension contributions can reduce income into this band.
The Marriage Allowance lets a lower-earning spouse transfer up to £1,260 of their personal allowance to a basic-rate-paying partner, saving up to £252 in tax per year. You qualify if one of you earns below the personal allowance (£12,570) and the other pays 20% basic rate tax. It can be backdated 4 tax years.
Around £28,720 a year (about £2,393 a month) for an employed person in 2026/27 with the full personal allowance and no student loan — see the table above for other salaries.
Employees pay 8% on earnings between £12,570 and £50,270, then 2% above that, for 2026/27. The self-employed pay Class 4 NI at 6% on those profits, then 2% above £50,270 — Class 2 NI was abolished in April 2024. Thresholds are unchanged from 2025/26.