UK Salary Calculator
See your take-home pay after tax, NI, student loan & pension — 2026/27
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Important: This calculator provides estimates for illustrative purposes only, based on 2026/27 tax rates published by HMRC. It does not constitute financial advice. Tax calculations depend on individual circumstances including tax codes, benefits in kind, and other factors not captured here. Do not make major financial decisions based solely on these figures. Consult a qualified accountant or tax professional for personalised advice. Rates last verified: August 2026. See our full methodology →
How UK Income Tax Works
In the 2026/27 tax year, you get a Personal Allowance of £12,570 tax-free. After that, you pay 20% (basic rate) on earnings up to £50,270, 40% (higher rate) on earnings between £50,271 and £125,140, and 45% (additional rate) on anything above £125,140.
If you earn over £100,000, your Personal Allowance reduces by £1 for every £2 over £100,000. This creates an effective 60% marginal tax rate between £100,000 and £125,140.
Scotland has different income tax rates with a Starter Rate (19%), Intermediate Rate (21%), and a Top Rate (48%) for earnings over £125,140.