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Tip: Enter your gross salary before tax. The calculator handles tax, NI, pension and student loans automatically. If you pay into a workplace pension by salary sacrifice, enter that amount separately — it reduces your taxable income.
UK Income Tax Bands 2026/27
| Band | Taxable Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 to £50,270 | 20% |
| Higher Rate | £50,271 to £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
| Band | Taxable Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter Rate | £12,571 to £14,667 | 19% |
| Basic Rate | £14,668 to £25,296 | 20% |
| Intermediate Rate | £25,297 to £43,662 | 21% |
| Higher Rate | £43,663 to £75,000 | 42% |
| Advanced Rate | £75,001 to £125,140 | 45% |
| Top Rate | Over £125,140 | 48% |
| Band | Taxable Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 to £50,270 | 20% |
| Higher Rate | £50,271 to £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Wales sets its own rates but for 2026/27 they currently mirror England for most bands.
National Insurance 2026/27
| Earnings | Rate |
|---|---|
| Below £12,570/year | 0% |
| £12,570 to £50,270 | 8% |
| Above £50,270 | 2% |
You stop paying National Insurance when you reach State Pension Age (currently 66). The calculator automatically removes NI if you enter an age of 66 or over.
Frequently Asked Questions
How is take home pay calculated?
Your take home pay is your gross salary minus income tax, National Insurance, pension contributions, student loan repayments and any other deductions. Salary sacrifice schemes like cycle-to-work reduce your taxable income before these calculations.
Why is Scottish tax different?
Scotland sets its own income tax rates through the Scottish Parliament. It has more bands than the rest of the UK, including a 19% starter rate and a 48% top rate. The calculator automatically applies Scottish bands when you select Scotland.
Do I pay less tax when I turn 66?
You still pay income tax on pension and employment income after 66, but you stop paying employee National Insurance contributions. This can save hundreds of pounds per year. The calculator removes NI automatically if you enter age 66+.
What is salary sacrifice?
Salary sacrifice is an arrangement where you give up part of your salary in exchange for a non-cash benefit, such as a company car, cycle-to-work scheme, or additional pension contributions. It reduces your taxable income, meaning you pay less tax and NI.
How much should I pay into my pension?
Under auto-enrolment, the minimum total contribution is 8% of your qualifying earnings, with at least 3% from your employer and 5% from you. Many people choose to pay more to build a larger retirement pot. Pension contributions receive tax relief.