Income tax calculator

Enter your yearly income before tax to see roughly how much income tax you would pay in the 2026 to 2027 tax year, band by band, using the rates published on GOV.UK. It works for wages, self-employed profits, pensions and rental profit, and it can use the Scottish rates.

How the calculation works

Most people can earn £12,570 a year before paying income tax: this is the Personal Allowance. Income above that is taxed in bands. In England, Wales and Northern Ireland the first £37,700 of taxable income is taxed at 20%, income above that up to £125,140 at 40%, and anything above £125,140 at 45%.

If your income is over £100,000, your Personal Allowance goes down by £1 for every £2 above that limit, so it is gone completely at £125,140. That is why income between £100,000 and £125,140 is taxed more heavily than the headline rates suggest.

Scottish taxpayers pay different rates and bands on earnings, pensions and property income: 19%, 20%, 21%, 42%, 45% and 48%. Choose Scotland in the calculator to use them.

What it leaves out

National Insurance, which is worked out separately. The take-home pay calculator includes it.
Savings interest and dividends, which have their own allowances and rates. See the dividend tax calculator.
Pension contributions, Gift Aid, Marriage Allowance, the Blind Person’s Allowance and other reliefs that change the result.
Tax already paid through PAYE or payments on account.

The result is an illustration for the 2026 to 2027 tax year, not a tax calculation you can rely on. It does not know your tax code or your full circumstances, so check anything important with HMRC or an accountant.

Common questions

Is the result what I will owe on my tax return?

Not necessarily. It shows the income tax on the income you enter, before reliefs and before anything already paid through PAYE. Your tax return or tax calculation from HMRC may differ, so treat the figure as a guide.

Why does my tax jump between £100,000 and £125,140?

Because the Personal Allowance is reduced by £1 for every £2 of income above £100,000. Each extra £2 of income loses £1 of tax-free allowance as well as being taxed at 40%, which works out at an effective rate of 60% in that range.

Do I count my income before or after expenses?

For self-employed income, enter your profit after allowable business expenses. For rental income, enter your rental profit. For a job, enter your gross pay before tax and National Insurance.

Does it work for Wales?

Yes. Wales currently uses the same income tax rates and bands as England and Northern Ireland, so choose England, Wales or Northern Ireland.

Sources for the figures on this page

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