Estimate your Income Tax, National Insurance and take-home pay for the 2026/27 tax year. Use our free UK tax calculator for England, Wales, Scotland and Northern Ireland.
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.
Employee National Insurance (Class 1, Category A) is also banded. For 2026/27, you pay 0% on earnings up to £12,570, 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.
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.
Scotland has its own Income Tax rates and bands. Scottish taxpayers pay different rates: 19% (Starter), 20% (Basic), 21% (Intermediate), 42% (Higher), 45% (Advanced) and 48% (Top). Our calculator automatically applies the correct Scottish rates when you select Scotland.
The amount of tax you pay depends on your salary, tax year, nation, Personal Allowance, tax bands, National Insurance, pension arrangements and other circumstances. Use this calculator to get an estimate for your situation.
Your take-home pay is the amount you receive after Income Tax, National Insurance and other deductions have been taken from your gross salary. This is the amount that lands in your bank account.
Illustrative example only: For a gross salary of £40,000 in England for the 2026/27 tax year, our calculator estimates:
Actual PAYE deductions can differ from this estimate because of:
Explore other useful tax tools:
It uses the latest HMRC Income Tax and National Insurance rates for the selected tax year and nation to estimate your deductions and take-home pay.
It depends on your income, tax year and which UK nation you live in. The calculator shows a breakdown based on the progressive tax bands.
For 2026/27, the standard Personal Allowance is £12,570. You pay no Income Tax on income up to this amount.
Employee NI is banded: 0% up to £12,570, 8% from £12,570 to £50,270, and 2% above £50,270 (2026/27).
Yes. Scotland has its own Income Tax bands. Our calculator applies Scottish rates when Scotland is selected.
Yes. Select "Monthly" as your pay frequency and enter your monthly gross salary. The calculator will convert it to an annual equivalent for the calculations.
No. Actual PAYE deductions depend on your tax code, benefits, pension contributions, student loans and other factors. This is an estimate only.
Payroll calculations are affected by your tax code, payroll frequency, benefits, pension scheme type, student loans, NI category and other adjustments.
You can select 2025/26 or 2026/27. The default is 2026/27.
You can add a fixed annual pension contribution in the "More Options" section. This is a simplified estimate – actual tax relief depends on your pension scheme.