UK Income Tax Calculator 2026
Estimate your UK income tax bill for 2026–2027. Covers all regions including Scotland, with correct tax bands and Personal Allowance tapering.
Income Details
Your Salary
Enter your income to get started
Your estimated take-home pay, tax, and NI will appear here instantly.
Example estimates · 2026–2027
Nurse, NHS Band 5
Gross £28,407
£23,973/yr
take-home
Software Engineer
Gross £55,000
£42,457/yr
take-home
Teacher (Main Scale)
Gross £31,650
£26,308/yr
take-home
How This Calculator Works
UK income tax is calculated using a progressive band system. The first £12,570 of income is tax-free (Personal Allowance). You then pay 20% on income up to £50,270, 40% on income up to £125,140, and 45% above that.
Scottish taxpayers pay different rates — select Scotland in the Region field to see the correct calculation using Scottish Parliament bands.
If your income exceeds £100,000, the Personal Allowance tapers at a rate of £1 for every £2 earned above that threshold.
Example Calculation
Income Tax Estimates for 2026–2027 (England)
£25,000/yr
£2,486 tax
£35,000/yr
£4,486 tax
£50,000/yr
£7,486 tax
£80,000/yr
£19,432 tax
Standard tax code, no other deductions. Effective rates vary.
Frequently Asked Questions
How much income tax will I pay in 2026–2027?
You pay 0% on the first £12,570 (Personal Allowance), 20% Basic Rate up to £50,270, 40% Higher Rate up to £125,140, and 45% Additional Rate above that. Scotland has different rates.
What is the Personal Allowance for 2026–2027?
The Personal Allowance is £12,570. It is gradually reduced for those earning over £100,000, and removed completely at £125,140.
Is income tax different in Scotland?
Yes. Scotland has its own income tax bands set by the Scottish Parliament, including a 19% Starter Rate, 21% Intermediate Rate, 42% Higher Rate, 45% Advanced Rate, and 48% Top Rate.
What is the effective tax rate?
The effective tax rate is your total income tax paid divided by your gross income, expressed as a percentage. It is lower than your marginal rate because lower bands are taxed at lower rates.
How does the Personal Allowance taper work?
For every £2 you earn over £100,000, you lose £1 of your Personal Allowance. By £125,140, the full Personal Allowance is gone, creating an effective 60% marginal rate in that range.