UK Income Tax Calculator 2026/27

Enter your salary to see how much Income Tax, National Insurance and student loan you pay in the 2026/27 tax year and what lands in your bank account each month. Scotland has its own six Income Tax bands, so pick where you live; National Insurance and student loan rules are the same across the UK.

How to use this tool

1. Type your yearly gross salary before any deductions.
2. Choose England, Wales or Northern Ireland, or Scotland.
3. Add your workplace pension percentage and whether it is net pay or salary sacrifice.
4. Pick your student loan plan and tick postgraduate loan if you have one.

Formula

Tax = bands × (salary − pension − Personal Allowance); NI = 8% × (pay − £12,570, up to £50,270) + 2% × (pay above £50,270); Loan = 9% × (pay − plan threshold)

The Personal Allowance is £12,570 and shrinks by £1 for every £2 of income above £100,000, so it is gone at £125,140. In England, Wales and Northern Ireland the first £37,700 of taxable income is taxed at 20%, then 40% up to £125,140 and 45% above. Scotland uses 19%, 20%, 21%, 42%, 45% and 48%. Student loan thresholds for 2026/27 are £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) and £25,000 (Plan 5); postgraduate loans take 6% above £21,000.

Example

On a £50,000 salary in England with no pension or loan, £12,570 is tax-free and the remaining £37,430 is taxed at 20%, giving £7,486 Income Tax. National Insurance is 8% of £37,430, or £2,994.40. Take-home pay is £39,519.60 a year, about £3,293 a month. The same salary in Scotland pays £8,982.05 Income Tax because the higher 42% rate starts at £43,663.