United Kingdom Income Tax Calculator 2026/27 | Tax Atlas
Calculate your 2026/27 take-home pay, income tax, and full bracket breakdown for United Kingdom. Free, no signup required.
Enter your gross income above to see your 2026/27 United Kingdom tax breakdown instantly.
Quick example
An employee earning £62,000 in 2026/27 has a taxable income of £49,430 after the £12,570 personal allowance, and pays approximately £15,483 in income tax and National Insurance — an effective rate of about 25.0%.
How UK income tax works in 2026/27
UK income tax uses three progressive bands — basic (20%), higher (40%), and additional (45%). Only the income within each band is taxed at that band's rate; you are never taxed at a single flat rate on your whole income.
Every UK taxpayer gets a tax-free personal allowance of £12,570. This is deducted from your gross income before any tax is applied. If your adjusted net income exceeds £100,000, your personal allowance reduces by £1 for every £2 over that threshold — eliminating it entirely at £125,140.
In addition to income tax, employees pay Class 1 National Insurance contributions: 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. This calculator shows income tax and NI combined, broken down by band.
These figures apply to England, Wales, and Northern Ireland. Scotland sets its own rates and bands under the Scottish Rate of Income Tax (SRIT) — a Scotland-specific calculator is coming soon.
These rates and thresholds are sourced from HMRC — Income Tax rates and allowances (gov.uk).
2026/27 United Kingdom income tax brackets
| Rate | Taxable income |
|---|---|
| 20% | Up to £37,700 |
| 40% | £37,700 – £112,570 |
| 45% | Over £112,570 |
Income tax only. Source: HMRC gov.uk. Brackets apply to taxable income after the £12,570 personal allowance. NI contributions are shown separately in the breakdown.
Frequently asked questions
- How is UK income tax calculated in 2026/27?
- UK income tax is progressive. After deducting the £12,570 personal allowance, income up to £50,270 is taxed at 20% (basic rate), income between £50,270 and £125,140 at 40% (higher rate), and income above £125,140 at 45% (additional rate). Only the portion of income within each band is taxed at that rate.
- What is the personal allowance taper and who does it affect?
- If your adjusted net income exceeds £100,000, your personal allowance reduces by £1 for every £2 earned above that level. The allowance is fully eliminated at £125,140. This creates an effective 60% income tax marginal rate between £100,000 and £125,140.
- Does this calculator include National Insurance?
- Yes. The calculator includes Class 1 employee National Insurance contributions — 8% on earnings between £12,570 and £50,270, and 2% above £50,270. NI rows are shown separately in the bracket breakdown table.
- When is the UK self-assessment tax return due?
- Online self-assessment returns for the 2026/27 tax year (ending 5 April 2027) are due by 31 January 2028. Paper returns are due by 31 October 2027. Confirm exact deadlines with HMRC at gov.uk/self-assessment-tax-returns.
- Does this apply in Scotland?
- No. Scotland sets its own income tax rates and bands through the Scottish Rate of Income Tax (SRIT). Scottish taxpayers have different bands — a Scotland-specific calculator is coming soon.
- Is this a professional tax estimate?
- No. This calculator provides estimates for informational purposes only and does not constitute professional tax advice. Consult a qualified Chartered Accountant or tax adviser for advice specific to your situation.
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