What this UK salary tax calculator includes
This calculator gives an annualised estimate for employee salary income in the 2026/27 tax year. It is designed for salary planning, comparing job offers and understanding how common deductions affect take-home pay.
It includes the standard personal allowance, Income Tax, employee National Insurance, salary sacrifice pension, Student Loan Plans 1, 2, 4 and 5, plus an optional Postgraduate Loan deduction.
In Chinese searches, this page is also relevant for users looking for 英国个税计算器, 英国个人所得税计算器, 英国税后工资计算器 or 英国工资税计算器, because the calculator focuses on UK employee salary tax and take-home pay.
What it does not include
- Custom tax codes, company benefits or benefits in kind
- Marriage Allowance, Blind Person’s Allowance or other special reliefs
- Payroll-specific HMRC rounding and irregular pay treatment
- Dividend income, self-employed tax, child benefit charge or savings/dividend tax
2026/27 rates used for England, Wales and Northern Ireland
| Band | Total annual income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
2026/27 rates used for Scotland
| Band | Total annual income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
National Insurance and loan assumptions
Employee National Insurance is estimated using Class 1 employee thresholds and rates for the tax year. Student Loan and Postgraduate Loan calculations are planning estimates based on the selected plan and annual income after salary sacrifice pension.
Does this calculator work for Scotland?
Yes. Switch the region to Scotland and the page uses Scottish 2026/27 non-savings income tax bands. England, Wales and Northern Ireland use the rest-of-UK salary bands.
Is this the same as an official payslip?
No. It is an estimate. Employer payroll can differ because of tax code changes, pay frequency rounding, taxable benefits, pension setup, irregular bonuses and other payroll details.
Can I use this as a UK income tax calculator?
Yes. It estimates UK Income Tax and National Insurance for employee salary income. It also shows pension and loan deductions so the result is closer to a take-home pay estimate.
How is pension handled here?
This version treats pension as salary sacrifice. The pension amount is removed before Income Tax, National Insurance and loan deductions are estimated.