UK Income Tax Calculator
Calculate take-home pay after Income Tax, National Insurance, pension contributions and student loan repayments.
Income Details
Take-Home Pay (2026-27)
Monthly Take-Home
£3,405
Annual Take-Home
£40,862
Income Tax
£8,332
National Insurance
£3,056
Student Loan
£0
Pension
£2,750
Effective Rate
20.70%
UK Income Tax 2026-27 (England, Wales, NI)
| Band | Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,570 – £50,270 | 20% |
| Higher Rate | £50,270 – £125,140 | 40% |
| Additional Rate | Above £125,140 | 45% |
Personal Allowance tapers £1 for every £2 earned above £100,000 — you lose it entirely above £125,140, creating an effective 60% marginal rate in the £100k-£125k band.
National Insurance (Class 1 employee)
- 8% on earnings between £12,570 and £50,270
- 2% on earnings above £50,270
Scotland has its own income tax bands — not covered by this calculator.
Frequently Asked Questions
Everything you need to know, in one place.
What are the 2026-27 UK tax bands?
Personal Allowance: £12,570 (tapered above £100k). Basic rate 20% on £12,570-£50,270. Higher rate 40% on £50,270-£125,140. Additional rate 45% above £125,140. Scotland has its own rates.
What is National Insurance?
NI funds state pension and benefits. Class 1 (employee): 8% on earnings £12,570-£50,270, 2% above. Employer also pays NI separately (not deducted from your salary).
What is salary sacrifice for pension?
You give up some salary in exchange for an employer pension contribution. You save Income Tax AND NI on the sacrificed amount — typically 12% more efficient than contributing post-tax.
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