UK Income tax estimator
See your annual tax bill, effective rate, and marginal rate — using current official brackets.
Your income
Tax year: 2026/27 · Source: HMRC (gov.uk)
| Gross income | £80,000.00 |
| Income tax | −£19,432.00 |
| National Insurance (Class 1) | −£3,610.60 |
| Net (annual) | £56,957.40 |
- · Rates for England, Wales & Northern Ireland. Scotland has separate bands.
- · Personal allowance: £12,570.
Understanding your inputs
- Gross annual salary
- Your total yearly income before tax — the figure the brackets are applied to.
Understanding your results
- Take-home
- Your estimated annual pay after income tax and statutory deductions.
- Total tax & deductions
- Everything withheld — income tax plus the relevant national contributions for your country.
- Effective rate
- Tax as a share of your whole income — usually well below your top bracket.
- Marginal rate
- The rate charged on your next dollar earned — what a raise or bonus is taxed at.
How UK income tax is calculated
UK income tax (2026/27, England, Wales & Northern Ireland) is progressive. Everyone gets a tax-free Personal Allowance of £12,570; income above it is taxed in bands. National Insurance is charged separately on top.
2026/27 bands (rest of UK)
- Personal Allowance: £0–£12,570 at 0%
- Basic rate: £12,571–£50,270 at 20%
- Higher rate: £50,271–£125,140 at 40%
- Additional rate: above £125,140 at 45%
Worked example (£60,000 salary)
- Taxable income: £60,000 − £12,570 = £47,430
- Basic-rate band £37,700 at 20% = £7,540
- Remaining £9,730 at 40% = £3,892
- Total income tax: £11,432 (effective rate 19.1%, marginal rate 40%)
National Insurance (Class 1) adds 8% on earnings between £12,570 and £50,270 and 2% above — roughly £3,000 more on this salary.
The 60% trap
The Personal Allowance is withdrawn by £1 for every £2 of income above £100,000, disappearing entirely at £125,140. Within that band each extra £1 is taxed at 40% and costs 50p of allowance — an effective 60% marginal rate. Pension contributions are the standard way to keep income below £100,000 and reclaim the allowance.
Common mistakes
- Confusing the tax year. The UK tax year runs 6 April to 5 April, not the calendar year.
- Forgetting National Insurance. It's a separate charge on top of income tax.
- Missing the High Income Child Benefit Charge. Clawed back between £60,000 and £80,000 of adjusted net income.
- Ignoring pension relief. Contributions extend your basic-rate band and can rescue the Personal Allowance.
What this calculator doesn't cover
- Scottish income tax bands (different rates and thresholds)
- Marriage Allowance and Personal Savings Allowance interactions
- Dividend and savings income (taxed under separate rules)
- Student loan repayments beyond the optional plan toggle
For a full position use HMRC's tools or a chartered accountant. This calculator is for quick estimation.
Related calculators
Related guides
Rates, holding periods, and strategies to reduce your CGT bill.
9 min read
9 legal strategies — loss harvesting, ISA/Roth sheltering, timing, and more.
9 min read
The two tax rates everyone confuses, why moving into a higher bracket never cuts your take-home, and how to read each.
7 min read
Key terms
Frequently asked questions
How is income tax calculated?
What's the difference between marginal and effective tax rate?
What deductions can I claim?
Are tax brackets indexed to inflation?
Why does my paycheck show different tax than my annual estimate?
Embed this calculator
Free to embed on your website, blog, or resource page — no signup, no fees, no API key. The calculator runs entirely in the visitor's browser.
<iframe src="https://financecalcapp.com/embed/income-tax/uk/" width="100%" height="680" frameborder="0" title="Income Tax Calculator" loading="lazy" ></iframe> <p>Free <a href="https://financecalcapp.com/calculators/income-tax/uk/">Income Tax Calculator</a> by <a href="https://financecalcapp.com">Finance Calc App</a></p>