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United Kingdom Income Tax Calculator (2026/27)

Source: https://www.gov.uk/income-tax-rates

Enter your gross annual income
Result
Gross income£50,000
Relief applied-£12,570
Income tax-£7,486
Employee National Insurance (Class 1)-£2,994
Employee National Insurance (Class 1, above UEL)-£0
Total contributions-£2,994
Net income (take-home pay)£39,520
Band-by-band breakdown
  • £0 – £50,270 @ 20.0%£7,486

What this excludes: England & Wales rates only (Scotland has separate bands). Excludes student loan repayments, pension contributions, and salary sacrifice.

This information is for informational purposes only and does not constitute financial or legal advice.

See your estimated take-home pay from a gross salary, after Income Tax and Employee National Insurance, using current HMRC rates for England, Wales and Northern Ireland. Enter your gross annual income to see your Personal Allowance, the tax and NI due, and what's left. (Scottish taxpayers pay different Income Tax rates — see below. The estimate excludes student loan repayments, pension contributions and salary sacrifice.)

Key figures
  • Personal Allowance: £12,570 — income taxed at 0%
  • Tax bands: Basic rate 20% up to £50,270; Higher 40% to £125,140; Additional 45% above
  • Personal Allowance taper: −£1 per £2 over £100,000, £0 at £125,140
  • Employee NI (Class 1): 8% between £12,570 and £50,270, 2% above
Frequently asked questions
How much will my take-home pay be?
Your take-home is your gross salary minus Income Tax and Employee National Insurance. You pay no Income Tax on the first £12,570, then 20% up to £50,270, 40% up to £125,140, and 45% above. Enter your salary above for the exact breakdown.
Does this include National Insurance?
Yes. It estimates both Income Tax and Employee National Insurance (Class 1: 8% on earnings between £12,570 and £50,270, then 2% above), so the result is an after-tax-and-NI take-home figure.
What is the Personal Allowance?
The amount you can earn before paying Income Tax — currently £12,570. It reduces if you earn over £100,000.
When do I start paying 40% tax?
On income above £50,270 (once your Personal Allowance and the 20% band are used up), up to £125,140; above that the 45% additional rate applies.
Why has my Personal Allowance gone down?
Over £100,000 of income, the allowance drops by £1 for every £2, disappearing at £125,140 — which is why income in that band carries an unusually high effective rate.
Are Income Tax rates different in Scotland?
Yes — Scotland sets its own Income Tax rates and bands on earned income. This calculator uses the rates for England, Wales and Northern Ireland.
What isn't included?
Student loan repayments, pension contributions and salary sacrifice arrangements are not included, so your actual take-home may differ. It's an estimate to show the tax and NI position.
Which tax year is this?
The 2026/27 tax year, using figures published by GOV.UK/HMRC.
Sources

Figures sourced from GOV.UK / HMRC · tax year 2026/27.

GOV.UK — Income Tax rates and Personal Allowances

This calculator gives a general estimate based on current published rates for England, Wales and Northern Ireland. It is not tax or legal advice, and it does not cover every personal circumstance. Rates and thresholds change — always check the current position on GOV.UK before relying on a figure. For advice on your specific situation, consult a qualified professional.

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