2026/27 UK tax year: Estimate Income Tax, employee National Insurance and take-home pay for employment income in England, Wales, Northern Ireland or Scotland.
Your estimated result
| Band | Taxed amount | Rate | Tax |
|---|---|---|---|
| Enter your income to see the breakdown. | |||
Results are estimates, not an HMRC assessment or payslip calculation.
What is the United Kingdom Tax Calculator?
The United Kingdom Tax Calculator estimates how much Income Tax and employee National Insurance may be deducted from annual employment income during the 2026/27 tax year. It also shows estimated annual, monthly and weekly take-home pay.
The calculator provides separate Income Tax calculations for Scotland because Scottish employment-income bands and rates differ from those used in England, Wales and Northern Ireland. National Insurance rates are applied in the same way for each selected UK nation.
How to use the calculator
- Enter your gross annual employment income before tax.
- Select England, Wales or Northern Ireland, or choose Scotland.
- Leave National Insurance selected if you want a standard employee Class 1 estimate.
- Select Calculate tax.
- Review the Income Tax, National Insurance, take-home pay and tax-band breakdown.
Use the Reset button to clear the form and results. Enter annual income only; do not enter monthly income.
2026/27 UK Income Tax rates
For England, Wales and Northern Ireland, the standard Personal Allowance is £12,570. The allowance is reduced by £1 for every £2 of adjusted net income above £100,000 and is zero at £125,140 or above.
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Scottish Income Tax rates
Scottish taxpayers use the same standard Personal Allowance but have six tax bands for employment income. For 2026/27 the taxable-income bands are starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%.
Employee National Insurance for 2026/27
For a standard category A employee, this calculator applies 0% up to the £12,570 annual primary threshold, 8% between £12,570 and £50,270, and 2% above £50,270. Real payroll deductions are calculated by pay period, so annualised figures can differ slightly from a payslip.
How the calculation works
The calculator first works out the available Personal Allowance. It subtracts that allowance from gross income to determine taxable income. Taxable income is then divided between the applicable tax bands. If National Insurance is included, the standard annual Class 1 estimate is calculated separately. Take-home pay equals gross income minus Income Tax and employee National Insurance.
Estimated take-home pay = Gross employment income − Income Tax − Employee National Insurance
Worked example
Suppose an employee in England earns £50,270 during 2026/27 and has the standard Personal Allowance. Taxable income is £37,700. At the 20% basic rate, estimated Income Tax is £7,540. Standard employee National Insurance is approximately £3,016. Estimated annual take-home pay is therefore £39,714, before any pension, student-loan or other deductions.
What is not included?
This calculator does not account for tax-code adjustments, Blind Person’s Allowance, Marriage Allowance, student or postgraduate loans, pension contribution methods, salary sacrifice, taxable benefits, multiple jobs, dividend income, savings interest, self-employment, Scottish savings or dividend rules, or payroll-period rounding. Use the relevant official service or a qualified adviser when those circumstances apply.
Related UK calculators
Authoritative sources
- GOV.UK — Income Tax rates and Personal Allowances
- HMRC — Rates and thresholds for employers 2026 to 2027
Frequently asked questions
Which tax year does this calculator use?
It uses the 2026/27 UK tax year, running from 6 April 2026 to 5 April 2027.
Does the calculator include National Insurance?
Yes. You can include or exclude an annual estimate of employee Class 1 National Insurance using standard category A rates.
Does Scotland use different Income Tax rates?
Yes. Scottish employment income uses separate starter, basic, intermediate, higher, advanced and top rates. Select Scotland before calculating.
Does the calculator reduce the Personal Allowance above £100,000?
Yes. It reduces the standard allowance by £1 for every £2 of income above £100,000 and removes it at £125,140 or above.
Will the result exactly match my payslip?
Not necessarily. PAYE and National Insurance are normally calculated by pay period and your tax code or other deductions can change the result.
Important: This calculator provides an estimate for general guidance. It is not affiliated with HMRC and does not provide tax or financial advice. Check important figures through HMRC or a qualified professional.