Calculate your UK Income Tax for 2026/27. See exactly how your income is taxed across each band, and understand your Personal Allowance, effective rate and marginal rate.
This calculator estimates your UK Income Tax based on your annual income, tax year, and nation. It applies your Personal Allowance first, then taxes the remaining income progressively across the relevant tax bands.
UK Income Tax is progressive. This means you pay different rates on different portions of your income. For 2026/27, the standard Personal Allowance is £12,570 – you pay no tax on income up to this amount. The basic rate of 20% applies to the next £37,700 of taxable income, the higher rate of 40% applies to income between £50,270 and £125,140, and the additional rate of 45% applies to income above £125,140.
The Personal Allowance is the amount of income you can earn each year before you start paying Income Tax. For 2026/27, the standard Personal Allowance is £12,570. If your income exceeds £100,000, your Personal Allowance is reduced by £1 for every £2 of income above that threshold. The calculator applies this taper automatically.
For England, Wales and Northern Ireland in 2026/27, the rates are: 20% (basic rate), 40% (higher rate) and 45% (additional rate). The thresholds are based on your taxable income after the Personal Allowance.
Scotland has its own Income Tax rates: 19% (Starter), 20% (Basic), 21% (Intermediate), 42% (Higher), 45% (Advanced) and 48% (Top). The calculator automatically applies the correct Scottish rates when Scotland is selected.
The amount of Income Tax you pay depends on your income, tax year, nation, Personal Allowance, and which tax bands your income falls into. Use this calculator to get an estimate for your situation.
Illustrative example only: For an annual income of £40,000 in England for the 2026/27 tax year, our calculator estimates:
Effective tax rate is the total Income Tax you pay divided by your total income. Marginal tax rate is the rate you pay on the next pound of taxable income. Your marginal rate is often much higher than your effective rate because only the portion of your income in the highest band is taxed at that rate.
It uses the latest HMRC Income Tax bands and rates for the selected tax year and nation to estimate your Income Tax liability based on your annual income.
For 2026/27, the standard Personal Allowance is £12,570. You pay no Income Tax on income up to this amount. It tapers for incomes above £100,000.
For England, Wales and Northern Ireland in 2026/27: 20% (basic), 40% (higher) and 45% (additional). Scotland has its own rates.
No. You only pay tax on income above your Personal Allowance. The calculator shows exactly how much of your income is tax-free.
Your effective rate is total tax divided by total income. Your marginal rate is the rate you pay on the next pound of taxable income – usually the highest band you reach.
Yes. Scotland has its own Income Tax bands and rates. Our calculator applies Scottish rates when Scotland is selected.
Yes. You can select 2025/26 or 2026/27. The default is 2026/27.
Actual Income Tax depends on your tax code, benefits, pension contributions, student loans, multiple jobs and other personal circumstances.
No. This calculator focuses only on Income Tax. For combined tax and NI, use our UK Tax and NI Calculator.
No. This is an independent tool that provides estimates based on published HMRC rates. It is not affiliated with HMRC.