UK Income Tax Calculator

See how much Income Tax you would pay on your income in the 2026/27 tax year — split by tax band, with your Personal Allowance and effective tax rate.

Your income

Annual income

Your total taxable income for the year, before tax.

Estimated Income Tax for 2026/27

£—

Personal Allowance (tax-free)£—

Taxable income£—

Take-home after Income Tax£—

Rates shown are for England, Wales and Northern Ireland. Scotland sets its own Income Tax bands.

Income Tax rates and the Personal Allowance apply to the 2026/27 tax year (6 April 2026 – 5 April 2027). Sources: GOV.UK — Income Tax rates and Personal Allowances · GOV.UK — rates and allowances, current and past. Rules and thresholds can change — check the latest official guidance before making financial decisions.

How it works

Enter your annual income and the calculator works out your Income Tax for the 2026/27 tax year. It applies your Personal Allowance (the part of your income you do not pay tax on), then taxes the rest at the relevant rates: 20% on the basic-rate slice, 40% on the higher-rate slice and 45% above that. The result shows the tax in each band, your effective rate and what you would take home after Income Tax.

Example calculation

For a gross income of £50,000 in 2026/27 (England, Wales or Northern Ireland):

Personal Allowance: £12,570 — no tax
Taxable income: £50,000 − £12,570 = £37,430
Basic rate (20%): £7,486
Total Income Tax: ≈ £7,486 — an effective rate of about 15%
Take-home after Income Tax: ≈ £42,514

Example is for 2026/27 rUK rates. National Insurance is not included here — use the UK Salary Calculator for full take-home pay.

Methodology & formula

Income Tax is charged on taxable income = gross income − Personal Allowance. For 2026/27 the bands on taxable income are:

Basic rate: 20% on the first £37,700 of taxable income (gross income £12,571–£50,270)
Higher rate: 40% on taxable income from £37,701 to £112,570 (gross £50,271–£125,140)
Additional rate: 45% on taxable income above £112,570 (gross over £125,140)

The standard Personal Allowance is £12,570. If adjusted net income is above £100,000, the allowance falls by £1 for every £2 of income over £100,000, reaching zero at £125,140 — this is why taxpayers in the £100,000–£125,140 range face a much higher effective rate.

The calculator assumes all income is non-dividend, non-savings income taxed at the main rates. It does not model the Marriage Allowance, blind person's allowance, Gift Aid or other reliefs, and it excludes National Insurance.

UK-specific information

Tax year: 6 April 2026 – 5 April 2027 (2026/27). Rates are frozen at 20% / 40% / 45% and the Personal Allowance at £12,570. GOV.UK · 2026/27
Personal Allowance: £12,570, frozen since 2021/22 and legislated to stay until at least 5 April 2028. It tapers above £100,000 and is zero at £125,140. GOV.UK · 2026/27
Scotland: Scottish taxpayers pay different bands (Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Top 45%) on non-savings, non-dividend income. Use the official Scottish rates if you live in Scotland. GOV.UK · 2026/27
This tool covers Income Tax only — employee National Insurance is separate (see the Salary Calculator).

Frequently asked questions

Is Income Tax calculated on my gross salary or after other deductions?

Income Tax is charged on your taxable income, which is your gross income minus your Personal Allowance and any other allowable deductions or reliefs. Pension contributions and some other deductions can reduce your taxable income — this calculator does not model those.

Why is my tax bill so high between £100,000 and £125,140?

Above £100,000 your Personal Allowance falls by £1 for every £2 of income. Combined with the 40% higher rate, this produces an effective marginal rate of 60% across that range — the so-called "60% tax trap".

Do these rates apply in Scotland?

No. Scotland sets its own Income Tax bands (19%–45%). This calculator uses England, Wales and Northern Ireland rates.

Does the calculator include National Insurance?

No — it shows Income Tax only. To see take-home pay including employee National Insurance, use the UK Salary Calculator.

Is my Income Tax taken automatically from my pay?

Yes, for employees it is deducted through PAYE by your employer using your tax code. If your tax code is wrong, you may pay the wrong amount — check your payslip and contact HMRC if needed.

Will my rates change soon?

For 2026/27 the main rates (20/40/45%) and the £12,570 Personal Allowance are unchanged. The Personal Allowance is set to stay frozen until at least April 2028. Always check the latest official guidance.

Related calculators

UK Salary Calculator · UK Savings Calculator · ISA Calculator · Home

Sources

GOV.UK — Income Tax rates and Personal Allowances: gov.uk/income-tax-rates (accessed 2026, 2026/27 tax year)
GOV.UK — Income Tax rates and allowances for current and previous tax years: gov.uk
House of Commons Library — Direct taxes: Rates and allowances for 2026/27: commonslibrary.parliament.uk

Casvia provides educational calculators and general information. It does not provide personal financial, tax or investment advice. Rules and thresholds can change — always check the latest official guidance.