Last updated: October 2026
Estimate only. Tax rules vary by product, service, location and registration status. This is not professional tax or financial advice - check with a qualified adviser or the relevant tax authority.
For 2026/27 in England, Wales and Northern Ireland, you pay no income tax on the first £12,570 (your personal allowance), then 20% up to £50,270, 40% up to £125,140, and 45% above that. Enter your gross annual income above and this calculator applies each band in slices, showing your total tax and net income after income tax only.
What does the UK income tax calculator do?
This free calculator works out your UK income tax for the 2026/27 tax year (6 April 2026 to 5 April 2027) in England, Wales and Northern Ireland. Enter your gross annual income and it shows your personal allowance, the tax due in each band, your total bill and your net income after income tax.
The 2026/27 tax bands used
Bands verified against gov.uk income tax rates in October 2026: £12,570 personal allowance (0%), basic rate 20% on £12,571 to £50,270, higher rate 40% on £50,271 to £125,140, additional rate 45% above £125,140. The allowance shrinks by £1 for every £2 earned over £100,000 and disappears entirely at £125,140. Scotland sets its own bands and is not covered here.
Worked example
On £60,000 of income: the personal allowance is £12,570, leaving £47,430 taxable. Basic rate: 20% of £37,700 = £7,540. Higher rate: 40% of £9,730 = £3,892. Total income tax £11,432, net income £48,568. On £110,000, the allowance tapers to £7,570 and the bill rises to £33,432.
What is not included
Income tax only: National Insurance is not calculated here. The calculator uses a standard personal allowance and does not account for marriage allowance, blind person’s allowance, pension relief, student loan repayments, the high income child benefit charge, or Scottish taxpayer status. It is an estimate, not tax advice.
Income tax at a glance: £30,000 to £60,000
The table below applies the 2026/27 bands above to four common salary levels (England, Wales and Northern Ireland; income tax only, standard personal allowance). Each figure uses the same method as the worked example.
| Gross salary | Income tax | Effective rate | Monthly take-home |
|---|---|---|---|
| £30,000 | £3,486 | 11.6% | £2,209.50 |
| £40,000 | £5,486 | 13.7% | £2,876.17 |
| £50,000 | £7,486 | 15.0% | £3,542.83 |
| £60,000 | £11,432 | 19.1% | £4,047.33 |
Notice how the effective rate climbs as more income falls into the higher band — at £60,000, £9,730 is taxed at 40% while everything below £50,270 stays at 20% or 0%. That per-slice logic is the single most misunderstood part of UK income tax.
Wrong tool? Find the right one
Self-employed as a sole trader and need National Insurance too, use the UK self-employed tax calculator (income tax plus Class 2/4 NICs). Running a limited company and taking dividends, use the UK dividend tax calculator.
For the extraction decision itself, see our salary vs dividends guide for UK directors.
Frequently asked questions
What counts as income for income tax?
Almost everything: salary, freelance and self-employment profit, pensions, rental income and most benefits in kind. Add them together to get the gross annual figure to enter.
Why does my personal allowance shrink above £100,000?
The allowance tapers by £1 for every £2 of adjusted net income over £100,000, reaching zero at £125,140. Combined with the 40% higher rate, this creates an effective marginal rate of about 60% in that band, which is why pension contributions are so valuable there.
Does this include National Insurance?
No. Employee Class 1 and self-employed Class 4 National Insurance are separate charges with their own thresholds. This calculator covers income tax only.
I live in Scotland. Can I use this?
Scotland sets its own income tax bands and rates, which differ from the rest of the UK. This calculator uses England, Wales and Northern Ireland bands, so Scottish taxpayers should check the Scottish rates instead.
Are the 2026/27 bands the same as last year?
Yes. The personal allowance and thresholds have been frozen at these levels since 2021/22 and remain frozen, which means rising wages quietly pull more people into higher bands over time.
References
Official rates: Income tax rates and Personal Allowances (gov.uk), verified October 2026.
Related calculators: VAT calculator, Flat Rate VAT calculator, US sales tax calculator, UK self-employed tax calculator, UK dividend tax calculator.
Reviewed by
Arham Arshad, founder of LancerBill, checked this tool and its calculation method in October 2026.