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Northern Ireland Tax Calculator 2026/27

Income Tax on earnings in Northern Ireland is not devolved, so rates and bands are the same as England. National Insurance is also UK-wide.

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

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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.

What's different in Northern Ireland

For Income Tax and NI, nothing. Differences appear elsewhere: property purchases pay Stamp Duty Land Tax like England, domestic rates replace council tax, and tuition-fee student loans are generally Plan 1, which has a lower repayment threshold than Plan 2.

If you live in Northern Ireland and work in the Republic of Ireland, cross-border rules apply that this calculator doesn't cover.

Understanding your northern ireland tax calculator result

The calculation uses the same earnings tax bands as England and UK-wide National Insurance. It is intended for Northern Ireland residents with ordinary UK employment income.

Estimating pay for a Northern Ireland role

Scenario: Enter the gross salary and any relevant pension or student loan details. Select the loan plan from your account rather than guessing from where you now live.

How to use the result: The result shows UK PAYE deductions for the year. Cross-border workers with income or residence in the Republic of Ireland may need specialist advice beyond this estimate.

Details to check before relying on the estimate

  • Student loan plans depend on where and when you studied.
  • Cross-border tax relief is outside this calculator.
  • Property rates are not a payroll deduction.

Putting the estimate into perspective

If a role involves cross-border income or residence, do not assume this ordinary employment estimate settles the wider tax position. Keep that issue separate from comparing UK salary figures.

Frequently asked questions

Is tax lower in Northern Ireland?

Income Tax and National Insurance are the same as in England. Other costs such as domestic rates work differently.

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

Which student loan plan do NI graduates have?

Usually Plan 1, which starts repayments at £26,900 in 2026/27.

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

Does Northern Ireland have its own Income Tax rates?

Income Tax on earnings in Northern Ireland follows the same rates and bands as England and Wales. Some other taxes differ by nation, but they do not affect this calculator.

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

Why does this page exist if the result matches England?

People search for their own nation, and a dedicated page confirms which rules were applied. Selecting Northern Ireland also keeps the correct region in your results.

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

Related calculators

Related guides

  • Student Loan Repayments Explained — 2026/27 student loan repayment thresholds for every plan, how repayments are collected, and whether overpaying makes sense.
  • 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.