Income tax calculator 2027-28, 2026-27, and 2025-26

This calculator will show you how much income tax and National Insurance you'll pay in the 2026-27 and 2025-26 tax years, as well as how much of your salary you'll take home. It's also been updated to reveal what you will pay in 2027-28.

Alongside this, you can check what you paid for the 2024-25, 2023-24, 2022-23 and 2021-22 tax years. 

How to use the Which? income tax calculator

Just enter your salary and find out how much income tax and National Insurance you'll pay in 2027-28, or use the drop-down to select the current tax year 2026-27.

If you pay income tax in Scotland, simply hit the 'Do you live in Scotland?' tab to make sure you get the right figures.

You can also use the drop-down arrow to select a previous tax year, including 2025-26, 2024-25, 2023-24, 2022-23, 2021-22, 2020-21, and 2019-20. 

Please note this tool makes standard assumptions to estimate your tax breakdown and doesn't take into account other things you pay like pension contributions and student loan repayments that will impact your take-home pay. This calculator assumes you're employed rather than self-employed.

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What are the income tax rates across the UK in 2026-27?

Most people in the UK have a £12,570 tax-free personal allowance.

If you live in England, Wales or Northern Ireland there are three income tax bands and rates above the tax-free personal allowance that apply depending on your income; 

• the basic rate (20% on taxable income between £12,571 and £50,270), 
• the higher rate (40% on taxable income between £50,271-£125,140) and 
• the additional rate (45% on taxable income over £125,140).

If you live in Scotland there are six income tax bands and rates above the tax-free personal allowance in 2026-27:

• the starter rate (19% on taxable income between £12,571-£16,537),
• the Scottish basic rate (20% on taxable income between £16,538-£29,526), 
• the intermediate rate (21% on taxable income between £29,527-£43,662), 
• the higher rate (42% on taxable income between £43,663-£75,000), 
• the advanced rate (45% on taxable income between £75,001-£125,140)
• and the top rate (48% on taxable income over £125,140).  

Income tax rates in Scotland are the same as they were for 2025-26, but the basic and intermediate rate thresholds have increased.

Wherever you live in the UK your personal allowance will reduce by £1 for every £2 you earn over £100,000. So, by the time you earn, £125,140, you'll pay income tax on everything you earn and get no personal tax-free allowance.

• Find out more: UK income tax rates 2026-27 

Do your self-assessment tax return with GoSimpleTax

If you are self-employed or have other untaxed income you may need to do a tax return to tell HMRC about it and pay what you owe.

Need a little help?  Take the stress out of your tax return with GoSimpleTax. Submit your tax return directly to HMRC at a great price with an easy to use HMRC-recognised software. 

• Find out more: how to fill in self-assessment tax return

Will I pay income tax on my state pension?

With the personal tax-free allowance still frozen at £12,570 – and plans to keep it frozen until 2031 – some pensioners might have been forced to pay tax on their state pension payments for the first time.

In 2025, the government said that once the state pension is above the frozen personal allowance, pensioners whose sole income is the state pension would not be faced with the task of completing simple assessment tax returns to settle a possible bill.  In the October 2026 Autumn Budget, the Chancellor announced how the policy would work with the launch of a new Pension Tax Allowance (PTA) from April 2027.

The new Pension Tax Allowance (PTA) will be calculated by applying the basic rate of income tax (20%) to the difference between the full new state pension (£13,036 in 2027-28) and the personal allowance. For example, the difference in 2027-2028 will be £466, meaning a PTA of £93.

If you are over state pension age, you will be eligible for the automatic tax deduction if your income, regardless of source, is below or at the value of the full new state pension.

For those with incomes just above the value of the full new state pension, the allowance will be gradually withdrawn through a taper. 

The PTA will apply from 6 April 2027 until 5 April 2030 and will be uprated each year in line with the annual increase in the state pension.

• Find out more:  State pension recipients with the lowest incomes given new tax-free allowance