Use our UK Income Tax Calculator 2026/27 to estimate your take-home pay after Income Tax, National Insurance, student loan repayments and pension contributions. Enter your annual salary, pension contribution and student loan plan to see your estimated annual, monthly, weekly and daily net pay.
Our calculator is designed for PAYE employees in England, Wales and Northern Ireland for the 2026/27 tax year, running from 6 April 2026 to 5 April 2027.
UK Income Tax Calculator 2026/27
Our Income Tax Calculator UK gives you a quick estimate of how much of your salary you will actually take home.
Simply enter:
- Your annual gross salary
- Your pension contribution percentage
- Your student loan plan, if applicable
The calculator then estimates your:
- Annual take-home pay
- Monthly take-home pay
- Weekly take-home pay
- Daily take-home pay
- Income Tax
- National Insurance
- Student loan repayments
- Total annual deductions
- Effective tax rate
For example, an employee earning £35,000 a year with no pension contribution or student loan repayment can see how their gross salary is divided between take-home pay, Income Tax and National Insurance.
The calculator uses the 2026/27 Income Tax and National Insurance rates applicable to England, Wales and Northern Ireland. HMRC confirms that the standard Personal Allowance remains £12,570 and the basic-rate limit is £37,700 for 2026/27.
What Is an Income Tax Calculator?
An Income Tax Calculator is an online tool that estimates how much tax and other payroll deductions may be taken from your salary.
Your gross salary is the amount you earn before deductions. Your take-home pay, also called net salary or net pay, is the amount remaining after deductions such as:
- Income Tax
- National Insurance
- Student loan repayments
- Pension contributions
Your actual payslip can contain additional deductions or adjustments, but a salary calculator provides a useful estimate of what you may receive in your bank account.
For a straightforward PAYE employee, understanding your net salary can make it much easier to budget, compare job offers and plan pension contributions.
How Our UK Salary Calculator Works
The calculator follows the main deductions that affect a typical PAYE employee.
1. Enter Your Annual Gross Salary
Start by entering your annual gross salary.
For example:
£35,000
This is your salary before Income Tax, National Insurance, pension contributions and student loan deductions.
The calculator uses your gross salary as the starting point and then applies the relevant allowances, thresholds and rates.
2. Personal Allowance
The Personal Allowance is the amount of income you can normally receive before paying Income Tax.
For the 2026/27 tax year, the standard Personal Allowance is:
£12,570
This means that, for someone eligible for the standard allowance, the first £12,570 of taxable earnings is generally not subject to Income Tax. HMRC confirms the £12,570 standard Personal Allowance for 2026/27.
What happens if you earn more than £100,000?
The Personal Allowance starts to reduce when your adjusted net income exceeds £100,000.
It reduces by £1 for every £2 of income above £100,000.
At £125,140, the standard Personal Allowance can be reduced to zero.
This creates an unusual part of the UK tax system sometimes called the 60% effective marginal tax zone.
Between £100,000 and £125,140, an additional £1 of income can result in both Income Tax at the higher rate and a reduction in your Personal Allowance.
UK Income Tax Rates 2026/27
For England, Wales and Northern Ireland, Income Tax is calculated progressively.
This means that your entire salary is not automatically taxed at the highest rate you reach.
Instead, different portions of your taxable income fall into different tax bands.
| Income Tax Band | Tax Rate | Taxable Income |
|---|---|---|
| Personal Allowance | 0% | Up to £12,570 |
| Basic Rate | 20% | £12,571–£50,270 |
| Higher Rate | 40% | £50,271–£125,140 |
| Additional Rate | 45% | Above £125,140 |
HMRC lists the 2026/27 basic rate at 20%, higher rate at 40% and additional rate at 45% for England, Wales and Northern Ireland.
Does earning more make your whole salary taxed at 40%?
No.
This is one of the most common misunderstandings about UK Income Tax.
Suppose your taxable income reaches the higher-rate band. Only the portion that falls within the higher-rate band is taxed at 40%.
The income below that threshold continues to be taxed according to the lower applicable rates.
This progressive system is why your average or effective tax rate can be significantly lower than your highest marginal tax rate.
National Insurance Calculator
Your take-home pay is affected by more than Income Tax.
Most employees also pay Class 1 National Insurance through PAYE.
For the 2026/27 tax year, the standard employee Class 1 National Insurance rates are:
| Earnings | Employee NI Rate |
| Up to the Primary Threshold | 0% |
| Between the Primary Threshold and Upper Earnings Limit | 8% |
| Above the Upper Earnings Limit | 2% |
HMRC confirms the standard employee rates of 8% between the relevant thresholds and 2% above the Upper Earnings Limit for 2026/27.
National Insurance is calculated separately from Income Tax.
This is important because someone may pay both Income Tax and National Insurance on their earnings.
Our calculator includes estimated National Insurance so you can see a more realistic picture of your UK take-home pay rather than looking at Income Tax alone.
Student Loan Repayment Calculator
If you have a UK student loan, your repayments can also reduce your take-home salary.
Our calculator allows you to select the relevant student loan plan.
The available options include:
- Plan 1
- Plan 2
- Plan 4 (Scotland)
- Plan 5
- Postgraduate Loan
For 2026/27, HMRC lists the following repayment thresholds:
| Student Loan Plan | Annual Threshold | Repayment Rate |
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate Loan | £21,000 | 6% |
The important point is that student loan repayments are generally calculated on the income above the applicable repayment threshold, rather than on your entire salary.
For example, if your applicable threshold is £29,385 and you earn £35,000, the repayment calculation is based on the income above that threshold.
If you have both an undergraduate student loan and a postgraduate loan, the relevant deductions can apply simultaneously.
Pension Contributions and Take-Home Pay
Pension contributions can make a significant difference to your take-home salary.
Our calculator includes a pension contribution percentage and assumes the contribution is made through salary sacrifice.
With salary sacrifice, the pension contribution is taken from your salary before the calculator applies Income Tax, National Insurance and student loan calculations, according to the calculator’s methodology.
For example, you could compare:
- 0% pension contribution
- 3% pension contribution
- 5% pension contribution
- 8% pension contribution
- 10% pension contribution
Increasing your pension contribution normally reduces your immediate take-home pay, but it can also increase the amount being put toward your retirement and may reduce certain payroll deductions under a salary-sacrifice arrangement.
Your employer’s actual pension scheme rules can differ, so your payslip may not exactly match an online estimate.
Worked Example: £35,000 Salary
Let’s look at a simple example based on the calculator.
Suppose you earn:
Gross annual salary: £35,000
You have:
- No pension contribution
- No student loan
- Standard Personal Allowance
- PAYE employment in England, Wales or Northern Ireland
The calculator first considers the £12,570 Personal Allowance.
That leaves:
£35,000 − £12,570 = £22,430 taxable income
Because this amount remains within the basic-rate band, it is taxed at 20%.
Estimated Income Tax:
£22,430 × 20% = £4,486
National Insurance is then calculated separately.
The calculator estimates approximately:
£1,794 National Insurance
That produces an estimated annual take-home salary of approximately:
£28,720
The screenshot example therefore illustrates how a £35,000 gross salary can be reduced by Income Tax and National Insurance before arriving at estimated net pay.
Remember that actual payroll results can vary depending on your tax code, pension arrangement, pay frequency, benefits and other circumstances.
Gross Salary vs Net Salary
Understanding the difference between gross and net salary is essential when comparing jobs.
Gross salary
Your gross salary is your pay before deductions.
For example:
£40,000 gross salary
does not mean you receive £40,000 in your bank account.
Net salary
Your net salary is the amount you receive after applicable deductions.
This is also commonly called:
- Take-home pay
- Net pay
- After-tax salary
- Salary after tax
When comparing two job offers, the gross salary is important, but your estimated net salary may be more useful for everyday budgeting.
How Much Is £30,000 After Tax?
The exact take-home amount depends on your circumstances, including pension contributions and student loan repayments.
With our calculator, you can enter £30,000 and instantly estimate:
- Income Tax
- National Insurance
- Student loan deductions
- Pension deductions
- Annual net salary
- Monthly take-home pay
- Weekly take-home pay
This makes it easier to compare different salary levels.
How Much Is £40,000 After Tax?
A £40,000 annual salary falls within the standard basic-rate range after the Personal Allowance is considered, although your actual deductions depend on your circumstances.
Enter £40,000 into the calculator to see your estimated:
Annual → Monthly → Weekly → Daily take-home pay
You can also test different pension contribution percentages to see how they affect your net salary.
How Much Is £50,000 After Tax?
At £50,000, your salary is close to the upper end of the basic-rate band for taxpayers with a standard Personal Allowance.
Your exact take-home pay depends on your:
- Tax code
- Pension contributions
- Student loan plan
- Other payroll deductions
Using a £50,000 salary in the calculator gives you a quick estimate of your net pay without having to perform the calculations manually.
How Much Is £60,000 After Tax?
Once your taxable income moves into the higher-rate band, the calculation becomes more complicated.
Not every pound of your salary is taxed at 40%.
The calculator applies the Income Tax bands progressively, so only the relevant portion is charged at the higher rate.
This is particularly useful when comparing salaries around the higher-rate threshold.
Why Your Payslip May Be Different From the Calculator
An online Income Tax Calculator provides an estimate rather than reproducing every detail of your employer’s payroll system.
Your actual payslip may differ because of factors such as:
- Your tax code
- Irregular monthly income
- Bonuses
- Overtime
- Benefits in kind
- Pension arrangements
- Student loan deductions
- Other payroll deductions
- Changes during the tax year
National Insurance can also differ when earnings vary between pay periods because payroll calculations are performed by pay period rather than simply assuming an identical salary each month.
For this reason, use the calculator as a planning and estimation tool rather than as a replacement for your payslip or HMRC records.
England, Wales and Northern Ireland Income Tax
This calculator is designed for employees paying Income Tax under the rates applicable to England, Wales and Northern Ireland.
Wales uses Welsh Income Tax rates, but the main rates and bands for 2026/27 are the same as those applying elsewhere in England and Northern Ireland.
What about Scotland?
Scotland has separate Income Tax bands and rates for most non-savings, non-dividend income.
Therefore, if you are a Scottish taxpayer, this calculator should not be used as your primary Scottish Income Tax calculation.
For Scottish taxpayers, use the appropriate HMRC or Scottish Government information and calculator.
What This UK Income Tax Calculator Includes
Our calculator is designed around a straightforward PAYE employee calculation.
It includes:
Income Tax
Calculates estimated Income Tax using the applicable Personal Allowance and tax bands.
National Insurance
Estimates employee Class 1 National Insurance.
Student Loan Repayments
Supports Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate Loans.
Pension Contributions
Allows you to enter a pension contribution percentage based on the calculator’s salary-sacrifice assumption.
Take-Home Pay
Shows estimated annual, monthly, weekly and daily net pay.
Effective Tax Rate
Helps you understand the percentage of your gross salary that goes toward Income Tax.
What This Calculator Does Not Cover
The calculator is intended for a relatively straightforward PAYE salary calculation.
It may not provide an exact result if you have:
- Self-employment income
- Rental income
- Dividend income
- Complex investment income
- Benefits in kind
- Multiple jobs
- Unusual pension arrangements
- Marriage Allowance
- Blind Person’s Allowance
- Complex tax-code adjustments
- Other specialist tax circumstances
- Scottish Income Tax
The accompanying calculator documentation specifically describes it as a planning estimate rather than a replacement for a payslip, HMRC tax-code check or professional advice.
Frequently Asked Questions
What is the UK Income Tax Calculator for 2026/27?
It is an online calculator that estimates your Income Tax, National Insurance, student loan repayments and take-home pay for the 2026/27 UK tax year.
This calculator is designed specifically for PAYE employees in England, Wales and Northern Ireland.
What is the UK tax year 2026/27?
The 2026/27 tax year runs from:
6 April 2026 to 5 April 2027.
HMRC confirms these dates for the current tax year.
What is the Personal Allowance for 2026/27?
The standard Personal Allowance is £12,570.
This is the amount of income that is normally tax-free before Income Tax begins for someone eligible for the standard allowance.
What is the basic Income Tax rate in the UK?
For England, Wales and Northern Ireland, the standard basic Income Tax rate for 2026/27 is 20%.
The higher rate is 40% and the additional rate is 45%.
What is the National Insurance rate for employees in 2026/27?
For most employees, Class 1 National Insurance is 8% between the relevant primary threshold and Upper Earnings Limit, falling to 2% above the Upper Earnings Limit.
Does the calculator include student loan repayments?
Yes. You can select Plan 1, Plan 2, Plan 4, Plan 5 or Postgraduate Loan.
The relevant repayment threshold and rate are then included in the estimate.
Does pension contribution reduce take-home pay?
Yes. A pension contribution normally reduces your immediate take-home pay because some of your salary is directed into your pension.
Under the calculator’s salary-sacrifice assumption, the contribution is considered before the relevant Income Tax, National Insurance and student loan calculations.
Is this calculator accurate?
It is designed to provide a useful estimate using the stated 2026/27 tax rates and thresholds.
However, your actual payslip can differ because of tax codes, payroll timing, bonuses, pension arrangements, benefits and other deductions.
Does this calculator work for Scotland?
No. Scotland has its own Income Tax bands and rates. This calculator is intended for England, Wales and Northern Ireland.
Can I use this calculator to compare job offers?
Yes. One of the most useful applications of a salary calculator is comparing different gross salaries.
Try entering several salaries and compare the estimated annual and monthly take-home pay.
Calculate Your 2026/27 Take-Home Pay
Knowing your gross salary is only part of understanding your earnings.
Your actual disposable income depends on the deductions that come out of your salary, including Income Tax, National Insurance, pension contributions and student loan repayments.
Our UK Income Tax Calculator 2026/27 brings these calculations together in one place so you can quickly estimate your take-home pay.
Enter your annual salary, select your pension contribution and student loan plan if applicable, and calculate your estimated:
Annual Take-Home Pay → Monthly Take-Home Pay → Weekly Take-Home Pay → Daily Take-Home Pay
Use the calculator before accepting a new job, reviewing your salary, adjusting pension contributions or planning your monthly budget.
Important note
The figures are estimates based on the 2026/27 tax year and the calculator’s stated assumptions. Tax rules and thresholds can change, and individual circumstances can affect the amount shown on an actual payslip. Always check the latest information from HMRC before making important financial decisions.