# UK Income Tax Calculator

> Estimate UK income tax for 2025/26 or 2026/27 with the Personal Allowance taper and 20%, 40% and 45% bands (England, Wales, NI).

Page: https://freecalculator.tech/tools/uk-income-tax-calculator
Last reviewed: 2026-11-12

## How much income tax will I pay in the UK in 2026/27?

Take the Personal Allowance (£12,570, reduced above £100,000) off your income, then tax the rest at 20%, 40% and 45%. The 2026/27 bands are the same as 2025/26 in England, Wales and Northern Ireland.

## Formula

Taxable = income (+ any extra income − pension contributions taken before tax) − Personal Allowance (£12,570, reduced £1 per £2 above £100,000). Tax = 20% on the first £37,700 + 40% up to £125,140 + 45% above.

- Bands for 2025/26 and 2026/27 from GOV.UK "Income Tax rates and Personal Allowances" (England, Wales and Northern Ireland). The Personal Allowance and bands are the same in both years.
- Scottish income tax uses different bands and is not modelled.
- Gift Aid, marriage allowance and other reliefs are not included; pension contributions only when you enter them.
- Taxable = income (+ any extra income − pension contributions taken before tax) − Personal Allowance (£12,570, reduced £1 per £2 above £100,000). Tax = 20% on the first £37,700 + 40% up to £125,140 + 45% above.
- Inputs used: Gross annual income, Tax year, Add your own deductions or additions?, Extra taxable income (bonus, commission, side income), Extra taxable income as % of the income above, Pension contributions taken before tax (amount), Pension contributions taken before tax (% of income incl. extra).

## Inputs

- Gross annual income
- Tax year
- Add your own deductions or additions?
- Extra taxable income (bonus, commission, side income)
- Extra taxable income as % of the income above
- Pension contributions taken before tax (amount)
- Pension contributions taken before tax (% of income incl. extra)

## Worked example: Salary of £50,000

2026/27, England, no adjustments.
1. Taxable = 50,000 − 12,570 = £37,430.
2. All of it falls in the 20% basic band.
3. Tax = 37,430 × 20% = £7,486.

## Common questions

### How much income tax will I pay in the UK in 2026/27?

Take the Personal Allowance (£12,570, reduced above £100,000) off your income, then tax the rest at 20%, 40% and 45%. The 2026/27 bands are the same as 2025/26 in England, Wales and Northern Ireland.

### Which tax years does this cover?

2025/26 (6 April 2025 to 5 April 2026) and 2026/27 (6 April 2026 to 5 April 2027). The allowance and bands are the same in both years.

### Why does tax jump between £100,000 and £125,140?

The Personal Allowance shrinks by £1 for every £2 earned above £100,000, so in that range each extra pound is taxed at an effective 60%. Pension contributions taken before tax can bring income back below £100,000.

### Can I include pension contributions or a bonus?

Yes. Switch on your own deductions and additions to add a bonus or other taxable income and subtract pension contributions taken before tax.

### Does it work for Scotland?

No. Scotland sets its own income tax bands; this uses the rest-of-UK rates.

### Does it include National Insurance?

No. Use the UK take-home pay calculator for a net-pay estimate that includes employee National Insurance.

### How is UK income tax calculated?

Income above the Personal Allowance is taxed in bands for the tax year you pick. The calculator lists each band so you can see where every pound is taxed.

## Limitations and assumptions

- Tax years 2025/26 and 2026/27 only.
- England, Wales and Northern Ireland rates; not Scotland.
- No Gift Aid, marriage allowance or other reliefs; pension only when you enter it.
- Not tax advice.
- Estimates from official published rates for the selected tax year only. Credits, reliefs and regional taxes are ignored unless you enter them yourself. Not tax advice — check with a qualified tax professional.

## Sources

- GOV.UK — https://www.gov.uk/income-tax-rates

## Cite this page

- APA: Free Calculator. (2026, November 12). UK Income Tax Calculator. https://freecalculator.tech/tools/uk-income-tax-calculator
- MLA: "UK Income Tax Calculator." Free Calculator, 12 Nov. 2026, https://freecalculator.tech/tools/uk-income-tax-calculator.
- Link: UK Income Tax Calculator — Free Calculator, https://freecalculator.tech/tools/uk-income-tax-calculator