UK income tax calculator (2026/27)
Free UK income tax calculator for 2026/27. Enter your gross salary to instantly see income tax, National Insurance and take-home pay, privately in your browser.
England, Wales and Northern Ireland rates — the separate Scottish income tax bands are not applied. Tax year 2026/27. Rates last updated 2026-06-29.
How to use
- Enter your annual gross income. Type your total yearly pay before any tax or deductions, in pounds. This is the gross salary figure usually quoted on your contract or job offer.
- Let it apply the 2026/27 bands. The calculator automatically applies the tax-free personal allowance, the basic, higher and additional rate bands, and employee National Insurance for the 2026/27 tax year.
- Review income tax and National Insurance. See your income tax and employee National Insurance worked out separately, then combined into your total yearly deductions so nothing is hidden.
- Read off your take-home pay. Check your net pay alongside your effective rate, so you know exactly what you keep and what share of your income goes in deductions.
Features
- Full 2026/27 breakdown. Separates income tax from employee National Insurance, then shows total deductions, effective rate and take-home pay together in a single clear view.
- Handles the allowance taper. Applies the tax-free personal allowance and accounts for the way it gradually reduces for high earners, keeping the estimate realistic at every income level.
- Effective rate, not just your band. Shows the share of your whole income lost to tax and National Insurance, which is lower than your top rate band and far more useful for budgeting.
- Instant and private. Every figure updates in real time as you type, calculated locally with no upload, no account and no waiting.
- Completely free. All results are available at no cost, with no limits, watermarks or hidden upsells.
When to use it
- Checking your real monthly take-home pay before accepting a new job offer or salary.
- Seeing how much of a pay rise you actually keep once tax and National Insurance are taken.
- Understanding why your effective tax rate is lower than the higher or additional rate band.
- Comparing two salaries side by side to weigh up roles or negotiate an offer.
- Sense-checking the deductions on your payslip against an independent 2026/27 estimate.
Is it private?
All calculations run locally in your browser; the income figures you enter are never uploaded or stored.
Frequently asked questions
Is this UK income tax calculator free and private?
Yes. It is completely free with no sign-up or limits, and every calculation runs locally in your browser. The income figures you enter are never uploaded or stored on a server, so they stay on your device.
Which tax year does it use, and do rates change?
It uses the 2026/27 UK tax year (the year ending April 2027). The personal allowance, tax bands and National Insurance rates are set by the government and can change in the Budget, so always check the latest figures for other years.
How is the result calculated, and what does it include?
From your annual gross income it applies the tax-free personal allowance (reducing it for high earners), taxes the remaining income across the basic, higher and additional rate bands, and adds employee National Insurance. It then shows income tax, National Insurance, total deductions, your effective rate and take-home pay.
Does it use Scottish income tax rates?
No. This calculator uses the income tax rates and bands for England, Wales and Northern Ireland. Scotland sets its own separate income tax bands, which this tool does not apply, so Scottish taxpayers should treat the income tax figure as approximate.
What does it not include?
It estimates income tax and employee National Insurance on a straightforward gross salary. It does not model pension contributions or salary sacrifice, student loan repayments, the employer's National Insurance, dividend or savings income, benefits in kind, or tax codes other than the standard allowance.
Is this tax advice?
No. This tool is for education and planning only and provides an estimate, not tax advice. Your actual tax depends on your tax code, allowances and personal circumstances, so for anything that affects what you owe, check GOV.UK or speak to a qualified adviser or HMRC.
Why might it differ from my payslip?
Payroll uses your specific tax code and spreads tax and National Insurance across the year, and may include items such as pension or student loan deductions that this estimate leaves out. That can make a single payslip differ from this annual figure.
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