Income Tax Calculator 2026/27
Just the tax, explained. Enter your salary and see exactly how much income tax you pay — and which slice of your pay falls into each band.
- Rates: GOV.UK — checked 5 Nov 2026
- Tested against HMRC worked examples
- Your salary never leaves your browser
Most people are on 1257L. BR, D0, D1, 0T, NT and K codes work too.
That doesn't look like a UK tax code — check it on your payslip. We've used 1257L for now.
Pension comes off your pay before income tax, so it lowers your tax bill. The band visual below includes it in the tax-free slice.
Your income tax
— / year
- Per month
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- Per week
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- Effective rate
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We could not load the 2026/27 rates. Please check your connection and refresh the page.
Rates checked 5 November 2026.
Every figure checked against HMRC's own examples.
Your salary never leaves your browser.
Rates re-checked by hand after every Budget.
Rates: GOV.UK — last checked 5 November 2026 See the official rates
Where your salary sits — the band visual
Each slice is a piece of your salary. The tax-free slice is your personal allowance plus pension; the rest is split across the bands, and each slice shows what it costs.
| Slice | Rate | Amount of salary | Tax on this slice |
|---|
How this is calculated
Income tax is charged on your taxable pay — your salary minus pension and minus your personal allowance (£12,570 for 2026/27). In England, Wales and Northern Ireland the bands are 20% on taxable income up to £37,700, 40% up to £125,140, and 45% above. Scotland uses six bands (19%, 20%, 21%, 42%, 45%, 48%). Above £100,000 your personal allowance tapers away at £1 for every £2 earned, reaching £0 at £125,140. Flat tax codes (BR, D0, D1) tax all pay at one rate with no allowance; NT means no tax. See the full method on How we calculate.
Examples — income tax at common salaries
Tax code 1257L, England, Wales or Northern Ireland, no pension — so these are the pure tax figures. Add a pension in the tool above and the tax falls.
| Salary | Taxable pay | Income tax / year | Marginal rate | Band split |
|---|---|---|---|---|
| £35,000 | £22,430.00 | £4,486.00 | 28% | £22,430 at 20% |
| £50,000 | £37,430.00 | £7,486.00 | 28% | £37,430 at 20% |
| £60,000 | £47,430.00 | £11,432.00 | 42% | £37,700 at 20% + £9,730 at 40% |
| £110,000 | £97,430.00 | £33,432.00 | 62% | £37,700 at 20% + £64,730 at 40% |
The £35,000 row with an auto-enrolment pension is checked against HMRC's worked example: pension £1,438.00, taxable pay £20,992.00, tax £4,198.40 — reproduced to the penny by the calculator above.
Questions
How much income tax do I pay on £35,000?
On a £35,000 salary with tax code 1257L and no pension, you pay £4,486.00 income tax a year — all of your £22,430 taxable pay sits in the 20% basic-rate band. With the usual auto-enrolment pension (5% of qualifying earnings, £1,438.00), your tax falls to £4,198.40 because the pension comes off before tax.
What are the UK income tax bands for 2026/27?
In England, Wales and Northern Ireland: 20% basic rate on taxable income up to £37,700, 40% higher rate up to £125,140, and 45% additional rate above that. Taxable income is what is left after your £12,570 personal allowance (and any pension). Scotland has six bands from 19% to 48% — use the Scotland toggle above to see them.
Why does my tax change when my salary crosses £50,270?
Because £50,270 gross is where your taxable pay reaches £37,700 — the top of the basic-rate band (at the full £12,570 allowance). Every pound above that is taxed at 40% instead of 20%, so your marginal rate jumps. The band visual above shows exactly where the split falls for your salary.
What happens to my personal allowance above £100,000?
You lose £1 of personal allowance for every £2 you earn above £100,000, so it is £0 by £125,140. That creates an effective 60% marginal band between those two figures — the calculator shows a warning when your salary is in that zone.
Is my salary sent anywhere?
No. The calculator runs entirely in your browser. No salary figure is sent to a server, stored, or shared.
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