UK Income Tax Calculator for the 2026/27 Tax Year
Our free income tax calculator helps you work out exactly how much tax and National Insurance you'll pay in the 2026/27 tax year. Simply enter your annual salary and get an instant breakdown of your take-home pay, based on the latest HMRC rates and allowances.
How to use: UK Income Tax Calculator 2026/27 | Free HMRC Tool
Income tax is a direct tax on your earnings, collected by Her Majesty's Revenue and Customs (HMRC). Understanding how much tax you owe is essential for budgeting, financial planning, and ensuring you're not overpaying. The 2026/27 tax year brings updated allowances and thresholds that affect how much of your income is taxable. Whether you're employed, self-employed, or receive investment income, calculating your tax liability accurately helps you manage your finances with confidence.
For the 2026/27 tax year, the personal allowance remains at £12,570—this is the amount you can earn tax-free. Income between £12,570 and £50,270 is taxed at the basic rate of 20%, whilst income from £50,270 to £125,140 is taxed at the higher rate of 40%. Any income above £125,140 is subject to the additional rate of 45%. National Insurance contributions are also calculated: 8% on earnings between £12,570 and £50,270, and 2% above that threshold. Scotland has different tax bands, with rates ranging from 19% to 48%, which our calculator accounts for automatically based on your location.
A common mistake is forgetting to include National Insurance in your tax calculations—it's a significant cost that reduces your take-home pay. If you're Scottish, ensure you select Scotland as your region, as your tax bands differ from the rest of the UK. Self-employed individuals should note that this calculator assumes employment income; if you're self-employed, you may also owe Class 2 and Class 4 National Insurance contributions. Keep records of your earnings throughout the year and use this calculator quarterly to monitor your tax position and avoid unexpected bills at the end of the tax year.