UK Salary Tax Calculator
Calculate UK take-home pay. Income tax, National Insurance, and net salary for the 2026-27 tax year. Free.
How to use
UK income tax bands (2026-27)
Personal allowance: £12,570 tax-free (thresholds are currently frozen). Basic rate: 20% on income £12,571 – £50,270. Higher rate: 40% on £50,271 – £125,140. Additional rate: 45% above £125,140. The personal allowance is reduced by £1 for every £2 earned above £100,000 (fully gone at £125,140).
National Insurance (Class 1, employees)
Employee NI for 2026-27: 8% on earnings between £12,570 and £50,270, then 2% above. This rate was reduced from 10% in April 2024 and from 12% before that. Self-employed people pay different NI (Class 2 and 4) — this calculator covers employees only.
Scotland's different rates
Scottish income tax has additional bands: 19% starter rate £12,571 – £14,876, 20% basic £14,877 – £26,561, 21% intermediate £26,562 – £43,662, 42% higher £43,663 – £75,000, 45% advanced £75,001 – £125,140, 48% top above. NI is the same UK-wide.
Frequently asked questions
Which tax year does the calculator use?
It uses 2026-27 income tax bands and employee National Insurance. England, Wales and Northern Ireland use a £12,570 personal allowance and 20%, 40% and 45% rates; Scotland has its own income tax bands.
Does it include student loan or pension deductions?
No. It estimates income tax and National Insurance only. Student loan repayments, pension contributions and tax codes will change your actual take-home pay.
Why is my payslip different?
Tax codes, benefits in kind, salary sacrifice and pension arrangements all alter the amount deducted. Use this tool as an estimate and check HMRC or your payslip for exact figures.