UK Salary Calculator 2026/27
Calculate your take-home pay after Income Tax and National Insurance, 2026/27 tax year
Author: Adithya Srinivasan | Last updated on
Income Tax Bands 2026/27
England, Wales or Northern Ireland
| Taxable Income | Tax Rate % |
|---|---|
| Up to £12,570 (Personal Allowance) | 0% |
| £12,571 to £50,270 | 20% |
| £50,271 to £125,140 | 40% |
| Over £125,140 | 45% |
Scotland
| Taxable Income | Tax Rate % |
|---|---|
| Up to £12,570 (Personal Allowance) | 0% |
| £12,571 to £16,537 (Starter) | 19% |
| £16,538 to £29,526 (Basic) | 20% |
| £29,527 to £43,662 (Intermediate) | 21% |
| £43,663 to £75,000 (Higher) | 42% |
| £75,001 to £125,140 (Advanced) | 45% |
| Over £125,140 (Top) | 48% |
The Personal Allowance reduces by £1 for every £2 earned above £100,000, and is £0 once income reaches £125,140.
Source: HMRC / gov.scot - 2026/27 tax year
National Insurance 2026/27
| Taxable Income | Tax Rate % |
|---|---|
| Up to £12,570 (Primary Threshold) | 0% |
| £12,571 to £50,270 (Upper Earnings Limit) | 8% |
| Over £50,270 | 2% |
National Insurance rates are the same across England, Wales, Scotland and Northern Ireland.
Source: HMRC - Class 1 employee National Insurance, 2026/27 tax year
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Frequently Asked Questions about the UK Salary Calculator
This calculator estimates your take-home pay in the UK for the 2026/27 tax year (6 April 2026 to 5 April 2027), based on Income Tax and Class 1 employee National Insurance rates published by HMRC and, for Scotland, the Scottish Government.
- How is UK take-home pay calculated?
- Your employer deducts Income Tax and National Insurance from your gross salary through PAYE (Pay As You Earn) before paying you. Take-home pay is your gross salary minus Income Tax and National Insurance.
- What is the Personal Allowance?
- The Personal Allowance is the amount you can earn each tax year before paying any Income Tax. For 2026/27 it is £12,570. If you earn over £100,000, your Personal Allowance reduces by £1 for every £2 you earn above that, reaching £0 once your income hits £125,140.
- What are the Income Tax rates for England, Wales and Northern Ireland in 2026/27?
- After the £12,570 Personal Allowance: 20% (Basic Rate) up to £50,270, 40% (Higher Rate) up to £125,140, and 45% (Additional Rate) above £125,140.
- How is Scottish Income Tax different?
- Scotland sets its own Income Tax rates and bands, though the £12,570 Personal Allowance is the same UK-wide. For 2026/27, Scotland has six bands: 19% Starter Rate up to £16,537, 20% Basic Rate up to £29,526, 21% Intermediate Rate up to £43,662, 42% Higher Rate up to £75,000, 45% Advanced Rate up to £125,140, and 48% Top Rate above that. Below roughly £30,300 most people in Scotland pay slightly less Income Tax than the rest of the UK; above that, they pay more.
- What is National Insurance and how much do I pay?
- National Insurance (Class 1, employee) is the same across the whole UK, regardless of whether Scottish or rest-of-UK Income Tax bands apply. For 2026/27: 0% on earnings up to £12,570, 8% between £12,570 and £50,270, and 2% above £50,270.
- Does this calculator include pension contributions or student loan repayments?
- No. This calculator covers Income Tax and National Insurance only. Workplace pension contributions and student loan repayments would further reduce your take-home pay and are not included here.
- Is this calculator accurate?
- This calculator uses the standard 2026/27 Income Tax and National Insurance rates and does not account for tax codes, benefits-in-kind, or other personal circumstances. For an exact figure, check your payslip or consult HMRC directly.