UK Income Tax Calculator
Enter your total taxable income to see how much Income Tax you pay for the selected tax year. The calculator applies your Personal Allowance first, then taxes the remainder at the basic, higher and additional rates.
This uses the England, Wales and Northern Ireland rates. Scottish taxpayers have their own rates and bands.
How the calculation works
We believe numbers should be transparent. Here is the formula behind this calculator.
Worked example
Worked example: £50,000 taxable income in 2026/27
Examples at common levels
See how the numbers change at typical input levels, using the updated for tax year 2026/27 rates.
| Scenario | Your Income Tax bill | Tax-free (Personal Allowance) | Basic rate · 20% | Higher rate · 40% | Additional rate · 45% | Effective tax rate | Marginal tax rate |
|---|---|---|---|---|---|---|---|
| £20,000 taxable income Basic rate only | £1,486.00 | £12,570.00 | £1,486.00 | £0.00 | £0.00 | 7.4% | 20% |
| £40,000 taxable income Basic rate only | £5,486.00 | £12,570.00 | £5,486.00 | £0.00 | £0.00 | 13.7% | 20% |
| £60,000 taxable income Part falls in the higher band | £11,432.00 | £12,570.00 | £7,540.00 | £3,892.00 | £0.00 | 19.1% | 40% |
| £150,000 taxable income Additional rate; no Personal Allowance | £53,703.00 | £0.00 | £7,540.00 | £34,976.00 | £11,187.00 | 35.8% | 45% |
Important assumptions
- England, Wales and Northern Ireland rates only.
- The Personal Allowance reduces by £1 for every £2 of income over £100,000.
- A standard 1257L tax code is assumed unless you enter another.
- This calculator only covers Income Tax, not National Insurance.
Rates & official sources
Every calculation is based on the official rates and rules published by GOV.UK and HMRC.
Frequently asked questions
What are the income tax rates for 2026/27?
In England, Wales and Northern Ireland the rates are 20% (basic rate), 40% (higher rate) and 45% (additional rate). The first £12,570 is tax-free for most people.
What is my Personal Allowance?
For 2026/27 the standard Personal Allowance is £12,570. It reduces by £1 for every £2 your income is over £100,000, and is zero once income reaches £125,140.
Why is my effective rate lower than my tax band?
The effective rate is your total tax divided by your gross income. Because the first £12,570 is tax-free, most people pay less than their top (marginal) rate.
Does the income tax calculator include National Insurance?
No. Income Tax and National Insurance are separate charges. Use the National Insurance calculator alongside this one, or the salary calculator for the full take-home picture.
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View calculatorRelated guides
New to the topic? Read a plain-English guide on salary & tax, with worked examples and tips.
How UK Income Tax works
The tax-free allowance, rate bands and how PAYE takes tax from your pay.
Read the guide TaxPAYE explained
How pay as you earn collects Income Tax and NI from your salary.
Read the guide TaxUnderstanding tax bands
Basic, higher and additional rate explained with worked examples.
Read the guide TaxHow to read a payslip
Every line on your pay slip decoded — payments, deductions, year-to-date, and why a bonus month looks different.
Read the guide TaxUK tax rates and allowances 2026/27
Every UK tax rate and allowance for the 2026/27 tax year in one place — income tax, National Insurance, VAT, dividends, corporation tax, student loans and more.
Read the guide TaxHigh Income Child Benefit Charge explained
How the High Income Child Benefit Charge works — the £60,000 threshold, the 1% clawback and what you repay.
Read the guide TaxPension tax relief explained
How pension tax relief works — 20% added at source, extra relief for higher and additional-rate taxpayers, and the annual allowance.
Read the guideThese calculations are estimates for guidance only and are not professional financial, tax or legal advice. UK rates and rules change, so always verify important figures with official GOV.UK / HMRC information or speak to a qualified professional. See our full disclaimer.