UK Income Tax Calculator
Estimate UK income tax, personal allowance, taxable income, marginal rate, effective rate, and take-home income.
UK income tax inputs
Tax year 2026/27 · England, Wales & Northern Ireland
Salary or self-employment income before deductions.
Scotland uses its own income tax bands.
Official HMRC year for which bands apply.
Standard PA = £12,570.00 (tapered above £100k).
Used only when "Custom allowance" is selected.
Rental, dividends taxable as income, side income, etc.
Salary-sacrifice pension contributions, etc.
Estimated income tax
£7,486.00
England / Wales / NI · Tax year 2026/27
Take-home after deductions
£42,514.00
Gross + other income minus income tax.
Taxable income
£37,430.00
After £12,570.00 Personal Allowance.
Effective rate
14.97%
Income tax ÷ gross income.
Marginal tax rate
20.00%
Top band rate reached by your taxable income.
Personal Allowance used
£12,570.00
Full standard Personal Allowance.
National Insurance
Not included
Toggle the switch above to include NI.
Region
England / Wales / NI
England, Wales & Northern Ireland
Tax Band Breakdown
| Band | Income in band | Taxable range | Tax |
|---|---|---|---|
| Basic rate (20.00%) | £37,430.00 | £0.00 – £37,700.00 | £7,486.00 |
This calculator provides an estimate for educational purposes only and is not tax advice. Actual tax liability may vary based on deductions, credits, local rules, residency, benefits, and personal circumstances. Always verify with official tax authorities or a qualified tax professional.
Support
How to read your results
Progressive bands
Only income within each band is taxed at that band's rate. Your first £12,570 of income (Personal Allowance) is tax-free.
Marginal vs effective
Marginal rate applies to your next £1. Effective rate is your total tax divided by your gross income; it is usually lower because earlier bands carry lower rates.
Income tax only
NI is included only when toggled. Council Tax, student loan, dividend tax specifics, and benefits-in-kind are not modelled.
Formula
How UK income tax is calculated
Adjusted income
Adjusted income = gross income + other taxable income − pre-tax deductions.
Taxable income
Taxable income = adjusted income − Personal Allowance (tapered above £100,000) or your custom allowance.
Final figures
Income tax = progressive bands on taxable income. Take-home = gross + other income − income tax − optional NI.
FAQ
UK income tax calculator questions
HMRC applies progressive bands to your taxable income (gross income minus your Personal Allowance and other pre-tax deductions). Each portion of taxable income is taxed at the rate of the band it falls into. The final tax is the sum across all bands.
Related tools