UK Income Tax Calculator 2026/27 — Bands, Allowance & Take-Home Pay
How much of your salary does HMRC actually take? Enter your gross annual income to see your 2026/27 UK income tax broken down band by band — including the personal allowance taper above £100,000 — plus your monthly take-home pay. Figures are estimates for England, Wales, and Northern Ireland rates; always verify with HMRC.
UK Income Tax Calculator 2026/27
Band-by-band tax breakdown with allowance taper — and your monthly take-home.
1 Enter your income
2 Calculate your tax
💷 Your 2026/27 UK income tax
How it works
- Step 1 — Enter your gross annual salary and any pension contributions (which reduce taxable income).
- Step 2 — The calculator applies the 2026/27 bands — £12,570 personal allowance, 20% to £50,270, 40% to £125,140, 45% above — with the allowance taper above £100,000, and shows a band-by-band breakdown plus monthly take-home.
Everyday uses
- Employees — check your payslip makes sense and plan salary negotiations.
- Contractors — estimate tax before setting your day rate.
- New arrivals — understand UK take-home pay before accepting a job offer.
- Planners — model how pension contributions cut your tax bill.
Rule of thumb: between £100,000 and £125,140 the allowance taper creates an effective 60% marginal rate — pension contributions in that zone are extremely tax-efficient.
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