Tax year 2026-27
UK take-home pay calculator 2026-27
Calculate your take-home pay for the 2026-27 UK tax year. Enter a monthly or annual salary in GBP and the calculator applies income tax, employee National Insurance and the £100,000 personal allowance taper, for either England, Wales and Northern Ireland or Scotland.
UK income tax calculator
2026-27 rates · HMRC · GBP
Before tax. Do not include bonuses or benefits unless they are paid monthly.
Current year: 2026-27
Salary sacrifice, deducted before income tax and NI.
Enter your gross salary to see your estimate
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You can add a pension contribution as a salary sacrifice to see how it changes both income tax and National Insurance. Rates and thresholds are unchanged from 2025-26.
United Kingdom tax at a glance
Reviewed 1 November 2026- Tax year
- 2026-27
- Currency
- GBP
- Tax-free threshold
- GBP 12,570
- Top marginal rate
- 45%
- Top rate applies above
- GBP 125,140
- Official source
- HMRC
Personal allowance. It tapers above £100,000.
Source: HM Revenue & Customs (HMRC). How these figures are verified.
Worked example
Someone earning GBP 50,000 a year in United Kingdom would pay an estimated GBP 10,480 in income tax, an effective rate of 20.96%, and take home GBP 39,520.
| Gross salary | GBP 50,000 |
|---|---|
| Taxable income | GBP 37,430 |
| Income tax | GBP 7,486 |
| National Insurance | GBP 2,994 |
| Take-home pay | GBP 39,520 |
At other salaries
Annual tax and take-home pay at common salary levels, using the same 2026-27 rules.
| Salary | Tax | Take-home |
|---|---|---|
| GBP 25,000 | GBP 3,480 | GBP 21,520 |
| GBP 50,000 | GBP 10,480 | GBP 39,520 |
| GBP 80,000 | GBP 23,043 | GBP 56,957 |
| GBP 120,000 | GBP 43,843 | GBP 76,157 |
Default options applied. Change the options in the calculator for a closer estimate.
United Kingdom income tax bands for 2026-27
Each rate applies only to the income inside its band. The table shows the bands used for the default options in the calculator.
| Taxable income | Rate |
|---|---|
| GBP 0 – GBP 12,570 | 0% |
| GBP 12,570 – GBP 50,270 | 20% |
| GBP 50,270 – GBP 125,140 | 40% |
| Above GBP 125,140 | 45% |
England, Wales and Northern Ireland. Scotland uses different bands in the calculator.
See every United Kingdom tax band by year · 2026-27 in detail
Common United Kingdom salaries
Worked estimates for the salaries people look up most, each with its own band breakdown, nearby salaries and take-home figure.
How the United Kingdom calculation works
- The personal allowance is tax-free, and the basic, higher and additional rates apply to the bands above it.
- Above £100,000 the allowance falls by £1 for every £2 earned, which creates a much higher effective rate between £100,000 and £125,140.
- Employee National Insurance is charged separately at 8% between £12,570 and £50,270, then 2% above that.
What the estimate includes
Included
- Income tax including the £100,000 personal allowance taper
- Employee (Class 1) National Insurance contributions
- Scottish income tax bands when Scotland is selected
- Optional pension contribution deducted before tax and NI
Not included
- Student loan repayments
- Benefits, tax code adjustments and marriage allowance claims
- Employer National Insurance and self-employment contributions
United Kingdom tax questions
What are the UK income tax rates for 2026-27?
The personal allowance is £12,570. Income from £12,571 to £50,270 is taxed at 20%, from £50,271 to £125,140 at 40%, and above £125,140 at 45% in England, Wales and Northern Ireland. Scotland has separate bands from 19% to 48%.
How does the £100,000 allowance taper work?
For every £2 you earn above £100,000, your personal allowance falls by £1. It reaches zero at £125,140. That creates an effective 60% marginal rate on income between £100,000 and £125,140.
How much National Insurance do employees pay?
Employee Class 1 National Insurance is 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. Employer contributions, student loan repayments and benefits are not included.
Why is Scottish income tax different?
Income tax on non-savings, non-dividend income is devolved to Scotland. Scottish rates run from a 19% starter rate to a 48% top rate, with different band thresholds. Select Scotland in the calculator to apply them.
Sources
Income tax and employee National Insurance rates for 2026-27. Rates and thresholds are unchanged from 2025-26.
- GOV.UK — Income Tax rates and allowances
- GOV.UK — National Insurance rates
- Scottish Government — Scottish Rate Resolution 2026-27
Last reviewed 1 November 2026. See the methodology for how rates are checked.
Related
- How income tax is calculated
- United Kingdom tax guide
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- United States income tax calculator
- China income tax calculator
Tax Globy is independent. Results are estimates for general information and are not tax advice from HM Revenue & Customs (HMRC).