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Tax Calculator

💰 Estimate your Income Tax and National Insurance

Check your take-home pay for the current tax year 6 April 2026 to 5 April 2027

🇬🇧 2026-2027 tax year • For employees
Your total earnings from employment before any deductions.
Auto-enrolment minimum is 5% (employee). Reduces taxable pay.
Repayments based on income above thresholds.
Standard 1257L = £12,570 personal allowance.
Category A: 8% between £12,570–£50,270, 2% above.
Scottish income tax bands differ (starter, basic, intermediate, higher, top).
📅 Your take-home pay
Annual net pay £0.00
Monthly net pay £0.00
Weekly net pay £0.00
🧾 Deductions breakdown
Income Tax (annual) £0.00
National Insurance (annual) £0.00
Pension contributions £0.00
Student Loan repayment £0.00
Total deductions £0.00
⚙️ Tax summary
Effective tax rate 0%
Marginal income tax rate 0%
Personal allowance used £12,570
NI primary rate 8% + 2%

📌 How it's calculated (2026-2027 rates)

Income Tax: Personal Allowance £12,570. Basic rate 20% (£12,571–£50,270), Higher rate 40% (£50,271–£125,140), Additional rate 45% (above £125,140).
National Insurance (Category A): 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.
Pension: Employee contribution deducted from gross salary (net pay arrangement) before tax.
Student Loan: Plan 1: 9% over £22,015; Plan 2: 9% over £27,295; Plan 4: 9% over £27,660; Postgrad: 6% over £21,000.
Scottish bands: Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Top 46%.

⚠️ This is an official-style estimator. Individual circumstances (multiple jobs, benefit in kind, complex codes) may differ. Always consult HMRC for final liability.

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