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Income Tax Calculator
UK income tax estimate for tax year 2026/27 (England, Wales & Northern Ireland personal allowance / bands). Educational estimate only — not tax, accounting, or financial advice. Check current HMRC rates on GOV.UK for your tax year. Scotland uses different bands.
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Income Tax Calculator — UK 2026/27
Estimate UK income tax for 2026/27 using England, Wales and Northern Ireland bands. Excludes National Insurance and Scottish rates. Not tax advice.
Estimate UK income tax for the 2026/27 tax year, and the amount left after income tax only, using the personal allowance and progressive bands. This free online income tax calculator from Calculator Direct is for education and planning only.
Educational estimate only — not tax, accounting, or financial advice. Check current HMRC rates for your tax year on GOV.UK. Figures here summarise England, Wales and Northern Ireland bands for tax year 2026/27 (checked against GOV.UK on 2 October 2026); Scotland uses different rates.
Tax year 2026/27 (England, Wales & Northern Ireland)
Structure for 2026/27 per GOV.UK income tax rates and Personal Allowance guidance (https://www.gov.uk/income-tax-rates, checked 2 October 2026): Personal Allowance £12,570 (reduced by £1 for every £2 of income above £100,000, nil at £125,140), basic rate 20% on the next £37,700 of taxable income (up to £50,270 of income with the full allowance), higher rate 40% up to £125,140, and additional rate 45% above that.
National Insurance, student loan deductions, pension contributions and Scottish income tax bands are not included in this v1 estimate. Always verify against current HMRC tools before filing or budgeting.
How to use this calculator
- This tool uses England, Wales and Northern Ireland bands. It does not cover Scottish income tax rates.
- Enter your expected gross annual income.
- Review estimated income tax, personal allowance used, and take-home after income tax only.
- Compare with HMRC / GOV.UK published rates for your tax year.
Worked example: £45,000 gross in 2026/27
Personal allowance £12,570 leaves about £32,430 taxable. At the basic rate of 20%, estimated income tax is about £6,486, for take-home of about £38,514 before National Insurance and other deductions.
This is an educational sketch only — use HMRC’s calculators for official estimates.
Frequently asked questions
Is this the same as the old /taxes page?
The canonical URL for this UK-first income tax tool is /financial-calculator/income-tax. Legacy /financial-calculator/tax, /taxes and /business-calculator/tax redirect here.
Does this include National Insurance?
No. v1 estimates income tax only. For reference, GOV.UK lists standard employee (Class 1, category A) National Insurance for 2026/27 at 8% on earnings between £12,570 and £50,270 a year and 2% above that, which can change take-home pay materially. Check HMRC for combined estimates.
Is this tax advice?
No. Calculator Direct provides free planning tools only. Speak to a qualified tax adviser for personal circumstances.