2026 UK Tax & Take Home Pay Calculator
Instantly calculate your net income after Income Tax and National Insurance. Updated for the latest 2026/27 HMRC thresholds and frozen allowances.
Calculate Your Take Home Pay
Enter your gross annual salary and select your tax region below to instantly see your estimated Income Tax, National Insurance deductions, and net take-home pay for the 2026/27 tax year.
2026/27 Salary Calculator
Get instant, accurate estimates based on current HMRC rules.
Understanding Your Deductions
Key concepts for the 2026/27 tax year
Frozen Thresholds
The Personal Allowance (£12,570) and Higher Rate threshold (£50,270) remain frozen until April 2031, meaning “fiscal drag” may push more earners into higher tax brackets.
National Insurance
Employee NI is charged at 8% on earnings between £12,570 and £50,270, and drops to 2% on all earnings above £50,270.
Scottish Tax Bands
Scottish taxpayers are subject to five distinct income tax bands (Starter, Basic, Intermediate, Higher, and Top), which differ from the rest of the UK.
Tax-Efficient Savings
Utilising your £20,000 annual ISA allowance or making workplace pension contributions can significantly reduce your taxable income and boost your net take-home efficiency.
2026/27 Income Tax Bands
A standardised overview of the income tax thresholds and rates applicable for the 2026/2027 tax year across the UK.
| Tax Band | Taxable Income (Rest of UK) | Taxable Income (Scotland) | Tax Rate (Rest of UK) | Tax Rate (Scotland) |
|---|---|---|---|---|
| Up to £12,570 | Up to £12,570 | 0% | 0% | |
| £12,571 – £50,270 | £12,571 – £14,830 | 20% (Basic) | 19% (Starter) | |
| — | £14,831 – £26,760 | — | 20% (Basic) | |
| — | £26,761 – £43,662 | — | 21% (Intermediate) | |
| £50,271 – £125,140 | £43,663 – £75,000 | 40% (Higher) | 42% (Higher) | |
| Above £125,140 | Above £75,000 | 45% (Additional) | 47% (Top) |
UK Tax FAQ
Answers to the most frequently asked questions about the 2026/27 UK tax system, allowances, and take-home pay calculations.
The Personal Allowance for the 2026/27 tax year remains frozen at £12,570. This means you can earn up to this amount tax-free. However, this allowance is reduced by £1 for every £2 earned over £100,000, creating a ‘60% marginal tax trap’ between £100,000 and £125,140.
For the 2026/27 tax year, employees pay 0% National Insurance on earnings up to £12,570, 8% on earnings between £12,570 and £50,270, and 2% on all earnings above £50,270.
No. The UK government has frozen the main income tax thresholds, including the Personal Allowance (£12,570) and the Higher Rate threshold (£50,270), until April 2031. This means inflation may push more earners into higher tax brackets over time.
Scotland has its own income tax bands and rates set by the Scottish Parliament. For 2026/27, it features five bands: Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), and Top (47%), with different threshold limits compared to the rest of the UK.
You can reduce your taxable income by making contributions to a workplace or private pension, utilising your £20,000 annual ISA allowance for tax-free investment growth, or claiming legitimate employment expenses if you work from home or use your own vehicle for work.