Free tool · United Kingdom
UK income tax & National Insurance estimator
2026 to 2027 tax year: 6 April 2026 to 5 April 2027. Personal Allowance £12,570; 20% to £50,270, 40% to £125,140, 45% above. Employee NI 8% from £12,570 to £50,270 and 2% above.
This tool is general guidance only and may contain mistakes or miss recent changes. It is not tax or accounting advice, and we accept no liability for decisions made on it. Always check with the relevant tax authority or a qualified accountant. See the disclaimer.
England, Wales and Northern Ireland rates only. Scotland has different income tax bands, so this result does not apply to Scottish taxpayers.
Assumes employment income only, tax code 1257L, NI category A, no pension, student loan, benefits or other income. The Personal Allowance falls by £1 for every £2 above £100,000.
Estimate per year
- Personal Allowance
- £12,570.00
- Basic rate tax (20%)
- £5,486.00
- Higher rate tax (40%)
- £0.00
- Additional rate tax (45%)
- £0.00
- Total income tax
- £5,486.00
- Employee National Insurance (8% / 2%)
- £2,194.40
- Take-home pay
- £32,319.60
- Take-home per month
- £2,693.30
2026 to 2027 tax year (6 April 2026 – 5 April 2027). Source: GOV.UK / HMRC — Income Tax rates and Personal Allowances; National Insurance rates and thresholds (employee Class 1, category A). England, Wales and Northern Ireland.
Sources: GOV.UK / HMRC – Income Tax rates and Personal Allowances; National Insurance rates and categories 2026 to 2027; Rates and thresholds for employers 2026 to 2027. Reviewed November 2026.