Free tool · UK tax 2026/27
UK income tax & take-home pay calculator 2026/27
Find out exactly what you'll take home after income tax and National Insurance this tax year, with Scottish rates and pension contributions included.
Your income
Salary sacrifice: paid from gross pay, so it reduces income tax and National Insurance.
Your take-home pay
£2,393.30 / month
- Take-home pay£28,719.60
- Income tax£4,486.00
- National Insurance£1,794.40
- Gross salary
- £35,000.00
- Taxable income
- £22,430.00
- Income tax
- £4,486.00
- Other deductions
- £1,794.40
- Effective rate (all deductions)
- 17.9%
- Marginal rate on next unit earned
- 28%
Reliefs applied: Personal Allowance £12,570.00
| Taxable income band | Rate | Tax |
|---|---|---|
| £0.00 – £22,430.00 | 20% | £4,486.00 |
Estimates for employees using standard rates only. They don't include tax codes, benefits in kind, student loans, other income or personal circumstances, and aren't financial or tax advice. Check with the tax authority or an adviser before making decisions.
How it works
How UK income tax and National Insurance are calculated
Your personal allowance of £12,570 is tax-free. Income above it is taxed in bands: each rate applies only to the slice of income inside that band, so moving into a higher band never reduces your take-home pay.
National Insurance is worked out separately on your earnings: 8% between £12,570 and £50,270, then 2% above that. If you pay into a pension by salary sacrifice, that amount comes off your pay before both tax and National Insurance are calculated.
Scottish taxpayers pay income tax at Scottish rates (19%, 20%, 21%, 42%, 45% and 48%), but National Insurance is the same across the UK.
We assume the standard 1257L tax code, a single job and no other income. Your payslip can differ if your tax code includes adjustments for benefits, underpaid tax or other income.
Sources
Rates checked October 2026 for the 2026/27 tax year (6 April 2026 to 5 April 2027).
Private by design
Every calculation runs in your browser. Nothing you type is sent to us or stored.
FAQ
Common questions
What is the UK personal allowance for 2026/27?
The personal allowance is £12,570 for the 2026/27 tax year, the same as the previous year. It is reduced by £1 for every £2 of income above £100,000 and disappears completely at £125,140.
What are the UK income tax bands for 2026/27?
In England, Wales and Northern Ireland you pay 20% on income between £12,571 and £50,270, 40% between £50,271 and £125,140, and 45% above £125,140. Scotland has six bands, from 19% to 48%.
How much National Insurance will I pay?
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270.
Why is my marginal rate so high between £100,000 and £125,140?
Because you lose £1 of personal allowance for every £2 you earn over £100,000, each extra pound in this range is effectively taxed at 60%, plus 2% National Insurance. Pension contributions are a common way to reduce income in this band.
Does this include student loan repayments?
Not yet. The calculator covers income tax, National Insurance and optional salary-sacrifice pension contributions. Student loan repayments would be deducted on top.
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