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Income Tax Calculator UK

This version puts the Income Tax band breakdown front and centre, so you can see exactly how much of your income falls in each band and what rate it's taxed at.

Tax year 2026/27 · Estimates, not personal tax advice

£
Pay frequency
%
Student loans
£

e.g. EV or cycle scheme

£

Taxable value

£

Taxed, no NI

£

After tax

Your results

Enter your salary to see take-home pay by year, month, week, day and hour.

Using 2026/27 rates (6 April 2026 to 5 April 2027). Nothing you enter is stored or sent anywhere.

Rates and rules used

Tax year 2026/27

Default year 2026/27 (6 April to 5 April). 2025/26 and 2024/25 figures are kept for comparison where the calculator offers a year choice.

Independent site, not affiliated with HMRC. Always check GOV.UK for the latest figures.

How this calculation works

  1. 01Start with your gross income and convert it to an annual figure.
  2. 02Take off salary sacrifice and net pay pension contributions.
  3. 03Apply your Personal Allowance, tapered above £100,000 or set by your tax code.
  4. 04Calculate Income Tax band by band using rates for your region.
  5. 05Calculate employee National Insurance on earnings after salary sacrifice.
  6. 06Deduct relief at source pension contributions at 80% of the gross amount.
  7. 07Apply student and postgraduate loan repayments above each threshold.
  8. 08Subtract everything to reach estimated net pay, then split it by period.

Real payroll can differ because tax and NI are worked out per pay period, and your tax code may include adjustments HMRC hasn't told you about. See our methodology.

How UK Income Tax is worked out

Income up to your Personal Allowance is tax-free. Everything above it is sliced into bands, and each slice is taxed at its own rate. Moving into the higher rate band doesn't increase the tax on money you earned below it.

Scottish taxpayers use six bands set by the Scottish Parliament. Wales and Northern Ireland currently follow the same rates as England.

The £100,000 taper

Once adjusted net income passes £100,000 you lose £1 of Personal Allowance for every £2 above it. Between £100,000 and £125,140 this creates an effective Income Tax rate of 60%, before National Insurance.

Understanding your income tax calculator result

The band breakdown shows the portion of income taxed at each rate. Your highest band is a marginal rate: it applies only to the slice inside that band, not to all of your income.

Checking a move into a higher band

Scenario: Enter your expected annual income, then compare it with a figure just below the relevant band boundary.

How to use the result: The difference in tax shows what happens to the extra income. Earlier slices keep their existing rates, while only the amount above the boundary uses the next rate.

Details to check before relying on the estimate

  • Include taxable income from every job when assessing your band.
  • Pension contributions and Gift Aid can change adjusted net income.
  • Select Scotland if your tax code starts with S.

Putting the estimate into perspective

Keep the band breakdown alongside the total. It explains where the next slice of earnings would sit, while the overall tax divided by income answers a different question: the average tax cost.

Frequently asked questions

How much tax will I pay on £40,000?

In England, Wales or Northern Ireland in 2026/27, £40,000 with a standard code means £27,430 of taxable income at 20%, which is £5,486 of Income Tax. National Insurance is separate.

Check it on GOV.UK: Welsh Income Tax (opens GOV.UK in a new tab) · National Insurance rates and category letters (opens GOV.UK in a new tab)

Work it out: Welsh Income Tax calculator

Is Income Tax calculated on my whole salary?

No. Only income above your Personal Allowance is taxed, and pension contributions made through salary sacrifice or a net pay arrangement come off before tax is worked out.

Check it on GOV.UK: Income Tax rates and allowances (opens GOV.UK in a new tab)

What is the difference between taxable income and gross income?

Gross income is everything you earn before deductions. Taxable income is what remains after your Personal Allowance and any reliefs, such as certain pension contributions, have been taken off.

Check it on GOV.UK: Income Tax rates and allowances (opens GOV.UK in a new tab)

Does this calculator include National Insurance?

Income Tax is shown separately from National Insurance, and the summary includes both so you can see the total deducted. They use different thresholds and are calculated on different bases.

Check it on GOV.UK: National Insurance rates and category letters (opens GOV.UK in a new tab)

Related calculators

Related guides

  • UK Income Tax Bands 2026/27 — The 2026/27 Income Tax bands for England, Wales, Northern Ireland and Scotland, with worked examples showing how band-by-band tax is calculated.
  • The Personal Allowance Explained — How the £12,570 Personal Allowance works, who loses it, the £100,000 taper and the 60% trap, plus ways to protect it.
  • Tax Codes Explained — What your tax code means, from 1257L to K codes, BR, D0, NT and emergency codes, and what to do if yours looks wrong.