UK Income Tax Calculator
Calculate your UK take-home pay after Income Tax and National Insurance — 2026/27 and 2025/26 tax years.
Last updated: 2026-07-25
Gross Income
£50,000.00
per year
Income Tax
£7,486.00
15.0% of gross
National Insurance
£2,994.40
6.0% of gross
Take-Home Pay
£39,519.60
21.0% effective rate
Monthly take-home
£3,293.30
Weekly take-home
£759.99
Personal Allowance
£12,570.00
📊 View tax band breakdown
| Band | Rate | From | To | Amount in Band | Tax Due |
|---|---|---|---|---|---|
| Personal Allowance | 0% | £0.00 | £12,570.00 | £12,570.00 | £0.00 |
| Basic Rate | 20% | £12,570.00 | £50,270.00 | £37,430.00 | £7,486.00 |
| Higher Rate | 40% | £50,270.00 | £125,140.00 | £0.00 | £0.00 |
| Additional Rate | 45% | £125,140.00 | ∞ | £0.00 | £0.00 |
| Total Income Tax | £7,486.00 | ||||
| NI (8%) | 8% | £12,570.00 | £50,270.00 | £2,994.40 | |
| NI (2%) | 2% | £50,270.00 | ∞ | £0.00 | |
| Total Deductions | £10,480.40 | ||||
🔒Calculated in your browser. No data is uploaded. For estimation only — confirm with HMRC for tax filings.
UK Income Tax and National Insurance eat a significant chunk of your salary. This calculator shows exactly how much you will take home each month — with a full breakdown of all tax bands: Personal Allowance (0%), Basic Rate (20%), Higher Rate (40%), and Additional Rate (45%), plus National Insurance (8% / 2%). Covers England, Wales & Northern Ireland (not Scotland, which has different rates).
How UK income tax and National Insurance add up
Your salary is taxed in bands, not at a single rate. For 2026/27 the first £12,570 is your tax-free Personal Allowance, then you pay 20% (Basic Rate) up to £50,270, 40% (Higher Rate) up to £125,140, and 45% (Additional Rate) above that.
On top of income tax you pay National Insurance — 8% on earnings between £12,570 and £50,270, and 2% above that. So your effective "tax" is the income tax band plus the NI rate: a basic-rate earner pays 28% combined, and a higher-rate earner pays 42% on the portion above £50,270.
The £100k trap is where it really hurts. Above £100,000 your Personal Allowance shrinks by £1 for every £2 you earn, so between £100k and £125k your marginal rate is effectively 60%. Pension contributions are the main way to claw this back.
These figures cover England, Wales and Northern Ireland. Scotland has its own income tax bands. Use the calculator above with your own salary to see your exact monthly take-home pay.
Frequently asked questions
What are the UK income tax bands for 2026/27?
Personal Allowance: £0–£12,570 (0%). Basic Rate: £12,571–£50,270 (20%). Higher Rate: £50,271–£125,140 (40%). Additional Rate: over £125,140 (45%). The Personal Allowance reduces by £1 for every £2 earned above £100,000, disappearing completely at £125,140.
How much National Insurance do I pay?
On earnings between £12,570 and £50,270 you pay 8% Class 1 NICs. Above £50,270 you pay 2%. Below £12,570 you pay nothing. These are the 2026/27 rates — they have been frozen since 2022/23 and are due to remain until 2028.
What is the difference between gross and net pay?
Gross pay is your salary before any deductions. Net pay (take-home pay) is what actually lands in your bank account after Income Tax and National Insurance are deducted. This calculator shows both, plus monthly and weekly equivalents.
Does this calculator cover Scotland?
No. Scotland has its own income tax bands (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%). This calculator covers England, Wales and Northern Ireland only. If you live in Scotland, use a Scottish-specific tax calculator.
What happens to my Personal Allowance if I earn over £100,000?
Your tax-free Personal Allowance (£12,570) reduces by £1 for every £2 you earn above £100,000. This means at £125,140 your Personal Allowance is completely gone — you pay tax on every pound you earn. The effective marginal rate in this £100k–£125k band is 60% (40% income tax + 20% allowance withdrawal).
How can I legally reduce my UK income tax?
The most effective ways: (1) Pension contributions — salary sacrifice into a workplace pension reduces your taxable income and gets 20-45% tax relief depending on your band. This is the most effective way to avoid the 60% tax trap at £100k+. (2) Marriage Allowance — if one spouse earns under £12,570, they can transfer £1,260 of allowance to the other, saving £252/year. (3) Childcare vouchers & cycle to work schemes — salary sacrifice benefits that reduce taxable pay. (4) Charitable Gift Aid donations — higher-rate taxpayers can claim back the difference between basic and higher rate. (5) ISA accounts (£20,000/year allowance) — interest, dividends and capital gains inside an ISA are tax-free. (6) Capital Gains Tax annual allowance — use your £3,000 CGT allowance each year by realising gains within the limit. Always consult a qualified accountant for personal tax planning.
→ More: See all 16 tax-saving strategies with interactive calculator
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Also try: UK Tax Saving Guide — How to Pay Less Tax Legally · UK Income Tax & How to Pay Less — The Complete Guide