2026/27 Income Tax estimate: Calculate UK Income Tax on employment, pension and other non-savings taxable income. National Insurance is intentionally excluded.
Estimated Income Tax
| Tax band | Amount in band | Rate | Tax |
|---|---|---|---|
| Enter your income | — | — | — |
This is an annual planning estimate, not a Self Assessment calculation or HMRC decision.
What is the United Kingdom Income Tax Calculator?
The United Kingdom Income Tax Calculator estimates annual Income Tax for the 2026/27 tax year. It combines employment or pension income with other non-savings taxable income, applies the available Personal Allowance, and shows how taxable income falls into each tax band.
Unlike the broader United Kingdom Tax Calculator, this page focuses only on Income Tax. It does not add National Insurance or calculate full payroll take-home pay.
How to use the Income Tax calculator
- Enter annual employment and pension income.
- Add any other non-savings taxable income that you want included.
- Optionally enter Income Tax already paid.
- Select your UK tax region.
- Select Calculate Income Tax.
Income Tax rates for 2026/27
The standard Personal Allowance is £12,570. It is reduced by £1 for every £2 of adjusted net income over £100,000 and reaches zero at £125,140.
| England, Wales and Northern Ireland band | Taxable income | Rate |
|---|---|---|
| Basic rate | First £37,700 after allowances | 20% |
| Higher rate | Above the basic-rate band up to £125,140 | 40% |
| Additional rate | Above £125,140 | 45% |
Scottish Income Tax
Scottish taxpayers have six rates for employment, pension and most other non-savings income: starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%. Select Scotland to use these bands.
Scottish rates do not generally apply to savings interest or dividends. Those income types are outside this simplified calculator.
How the calculation works
The calculator adds the two income fields. It then works out the standard Personal Allowance, including the high-income taper where applicable. The remaining taxable income is allocated progressively across the relevant regional bands.
If you enter tax already paid, the calculator compares it with estimated total Income Tax. A positive difference is labelled as estimated tax remaining; an overpayment is labelled as a potential refund. This comparison is not a claim or official assessment.
Worked example
Suppose a person in England has £40,000 of employment income and no other taxable income. After the £12,570 Personal Allowance, taxable income is £27,430. At 20%, estimated Income Tax is £5,486. Income remaining after Income Tax is approximately £34,514. National Insurance and other deductions are not included.
What this calculator does not include
The estimate excludes savings interest, dividends, Capital Gains Tax, National Insurance, student loans, Marriage Allowance, Blind Person’s Allowance, benefits in kind, multiple tax codes, foreign-income rules, pension-relief mechanisms and Self Assessment adjustments. The £1,000 trading and property allowances are not applied automatically.
Related UK calculators
Authoritative sources
- GOV.UK — Income Tax rates and Personal Allowances
- HMRC — Tax thresholds and Scottish rates for 2026/27
Frequently asked questions
Does this calculator include National Insurance?
No. It calculates Income Tax only. Use the United Kingdom Tax Calculator when you also need a standard employee National Insurance estimate.
Does it reduce the Personal Allowance above £100,000?
Yes. The allowance is reduced by £1 for every £2 of income above £100,000 and becomes zero at £125,140.
Can it calculate Scottish Income Tax?
Yes. Select Scotland to apply the 2026/27 Scottish bands for non-savings income.
Can I include tax already paid?
Yes. Enter Income Tax already paid to compare it with the calculator’s estimated annual tax figure.
Does it include dividend and savings income?
No. Dividend and savings allowances and rates are not included in this simplified non-savings Income Tax calculator.
Important: Results are estimates for general information. Check your tax code, HMRC account or Self Assessment calculation before relying on a figure.