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Tax Calculator 2026/27

The 2026/27 tax year runs from 6 April 2026 to 5 April 2027. The Personal Allowance and UK Income Tax bands stay frozen, while Scottish lower bands and student loan thresholds have moved.

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 changed for 2026/27

For employees, the headline UK rates are unchanged. Plan 1, 2 and 4 student loan thresholds rose, Plan 5 repayments begin, and Scotland raised its starter and basic rate thresholds. Dividend tax rates rose by two percentage points, which matters if you also run a company. See the full tax rates page for every figure.

Understanding your 2026/27 tax calculator result

This version uses the rules configured for income received from 6 April 2026 to 5 April 2027. Selecting another year is important when checking an older payslip or planning income that falls after the next 6 April.

Choosing the correct tax year

Scenario: For a payment dated 5 April, select the year that is ending. For one dated 6 April, select the new tax year even if the work was completed earlier.

How to use the result: The payment date normally determines the PAYE period. Comparing both years can show whether threshold changes affect the expected deduction.

Details to check before relying on the estimate

  • Use the payment date, not the date an offer was agreed.
  • Scottish earnings use their own bands.
  • Future policy announcements can change before they take legal effect.

Putting the estimate into perspective

Save the selected tax year with any estimate you keep. When revisiting it later, compare like-for-like assumptions before attributing a difference to a rate change.

Frequently asked questions

When does the 2026/27 tax year start?

6 April 2026. It ends on 5 April 2027.

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)

Has the Personal Allowance changed for 2026/27?

No. It remains £12,570 and is frozen under current government plans.

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

Do the 2026/27 figures apply to my pay now?

The 2026/27 tax year runs from 6 April 2026 to 5 April 2027. Use the tax year selector to compare it with earlier years if you want to see the difference.

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)

Where do the tax rates on this page come from?

They are taken from GOV.UK and HMRC guidance and are held in one place on our site, so updating a tax year does not change how the calculator works. Always check GOV.UK for the latest announcements.

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

  • 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.