Income Tax Calculator UK
Calculate how much UK income tax you pay for the 2026/27 tax year. Enter your income to see your personal allowance, taxable income and tax owed across each band, for England, Wales, Northern Ireland and Scotland.
Calculator
What this means
Income tax is charged on income above your personal allowance (£12,570 for most people). Different slices of income are taxed at different rates — 20%, 40% and 45% in England, Wales and Northern Ireland, with more bands in Scotland. This tool shows income tax only, not National Insurance.
How to use this calculator
- Enter your total annual income.
- Choose your region — England, Wales and Northern Ireland share the same bands; Scotland differs.
- See the tax due in each band and your effective tax rate.
Worked example
You have a taxable income of £60,000 in England for 2026/27.
- The first £12,570 is covered by the personal allowance (no tax).
- £12,570 to £50,270 is taxed at 20% = £7,540.
- £50,270 to £60,000 is taxed at 40% = £3,892.
Total income tax is about £11,432 — an effective rate of roughly 19%.
Who this is for
- Anyone wanting to see income tax separately from National Insurance.
- People with income from more than just a salary, such as rental or freelance work.
- Higher earners checking the impact of the £100,000 allowance taper.
UK income tax bands for 2026/27
In England, Wales and Northern Ireland the first £12,570 is tax-free (the personal allowance). You then pay 20% up to £50,270, 40% up to £125,140, and 45% above that.
Above £100,000 your personal allowance is reduced by £1 for every £2 you earn, disappearing entirely at £125,140 — which creates an effective 60% marginal rate in that band. Scotland sets its own bands and rates.
Frequently asked questions
For 2026/27 the standard personal allowance is £12,570. You pay no income tax on earnings up to this amount, though it reduces once your income passes £100,000.
In England, Wales and Northern Ireland: 20% basic rate up to £50,270, 40% higher rate up to £125,140, and 45% additional rate above that. Scotland has its own bands and rates.
No. This calculator shows income tax only. Use the National Insurance calculator or the PAYE salary calculator to see NI and your full take-home pay.
No. National Insurance is a separate deduction. Use our National Insurance calculator or the PAYE calculator to see both together.
Yes — choose Scotland to apply the Scottish income tax bands, which include starter, intermediate, advanced and top rates that differ from the rest of the UK.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, legal or tax advice. Always check official sources or speak to a qualified professional before making decisions.
Related tools
PAYE Salary Calculator UK
Estimate income tax, National Insurance and take-home pay.
Open calculator →National Insurance Calculator UK
Estimate your employee National Insurance and what your employer pays.
Open calculator →Self-Employed Tax Calculator UK
Estimate income tax and Class 4 NI on your self-employed profit.
Open calculator →Salary Sacrifice Calculator UK
See the tax and National Insurance you save by sacrificing salary.
Open calculator →