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).
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.
What this calculator does
Estimate UK income tax for 2025/26 or 2026/27 with the Personal Allowance taper and 20%, 40% and 45% bands (England, Wales and Northern Ireland). Optionally add a bonus or pension contributions taken before tax.
You enter gross annual income, tax year, add your own deductions or additions and extra taxable income (bonus, commission, side income) and a few other details, and the uk income tax calculator shows the answer along with the working, so you can check it or try other numbers.
The page shows the formula, a numeric worked example, and the assumptions that affect this tax calculation.
Inputs and what they mean
- Gross annual income
- — number value.
- Tax year
- — choice value.
- Add your own deductions or additions?
- — choice value.
- Extra taxable income (bonus, commission, side income)
- — Added to the income above before tax is worked out.
- Extra taxable income as % of the income above
- — For example a bonus quoted as a percentage of salary.
- Pension contributions taken before tax (amount)
- — Contributions deducted from pay before income tax (net pay arrangement). Relief-at-source pensions and salary sacrifice work differently and aren't modelled.
- Pension contributions taken before tax (% of income incl. extra)
- — Contributions deducted from pay before income tax (net pay arrangement). Relief-at-source pensions and salary sacrifice work differently and aren't modelled.
How to use it
- Enter each value in the unit shown next to the box (use the unit converter first if your numbers are in other units).
- Check the breakdown to see every intermediate step.
- Read the limitations before relying on the result.
Formula
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).
Worked example
Salary of £50,000
- Taxable = 50,000 − 12,570 = £37,430.
- All of it falls in the 20% basic band.
- Tax = 37,430 × 20% = £7,486.
Reading the result
The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.
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.
Reference: GOV.UK
Last reviewed:
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.
Sources
Method based on GOV.UK.
Cite this page
Free Calculator. (2026, November 12). UK Income Tax Calculator. https://freecalculator.tech/tools/uk-income-tax-calculator
"UK Income Tax Calculator." Free Calculator, 12 Nov. 2026, https://freecalculator.tech/tools/uk-income-tax-calculator.
UK Income Tax Calculator — Free Calculator, https://freecalculator.tech/tools/uk-income-tax-calculator
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