Income tax calculator for the UK, 2026-27
Type your income. The page shows your income tax in each band. The numbers are for 2026-27 and for England, Wales and Northern Ireland.
The pension comes off your pay before income tax.
Income tax in a year, England
£6,484.20
| Pay before tax | £45,000.00 |
|---|---|
| Pension | £0.00 |
| Personal allowance | £12,570.00 |
| Income tax | £6,484.20 |
| Average tax rate | 14.41% |
| Marginal tax rate | 28% |
| Band | Rate | Taxed at this rate | Tax |
|---|---|---|---|
| Basic rate | 20% | £32,421.00 | £6,484.20 |
| Higher rate | 40% | £0.00 | £0.00 |
| Additional rate | 45% | £0.00 | £0.00 |
The bands start after your tax-free pay of £12,579. Your personal allowance is £12,570. Payroll adds £9 to it, from your tax code. This is an estimate for 2026-27.
The 2026-27 income tax bands for England, Wales and Northern Ireland
| Pay | Band | Rate |
|---|---|---|
| Up to £12,570 | Personal allowance | 0% |
| £12,571 to £50,270 | Basic rate | 20% |
| £50,271 to £125,140 | Higher rate | 40% |
| Over £125,140 | Additional rate | 45% |
The personal allowance goes down by £1 for every £2 of pay over £100,000. It is zero at £125,140.
How to use the calculator
- Choose where you live. Scotland has its own income tax.
- Type your income for the year.
- Type your pension payments, if you have any.
- Read your tax, your tax rates and the tax in each band.
Questions
How much income tax do I pay on £30,000 in the UK?
In 2026-27, income tax on £30,000 in England, Wales and Northern Ireland is £3,484.20. This is 11.61% of your pay.
How much income tax do I pay on £60,000 in the UK?
In 2026-27, income tax on £60,000 in England, Wales and Northern Ireland is £11,428.40. This is 19.05% of your pay. The tax on your next pound is 42%, with National Insurance.
What are the 2026-27 income tax rates in the UK?
The rates for England, Wales and Northern Ireland are: 20% from £12,571 to £50,270; 40% from £50,271 to £125,140; 45% over £125,140. The personal allowance is £12,570.
Why does the personal allowance go down?
The allowance goes down by £1 for every £2 of pay over £100,000. At £110,000 it is £7,570. It is zero at £125,140. On £110,000, the tax and National Insurance on your next pound is 62%.
What is the difference between the marginal and the average rate?
The average rate is your income tax divided by your pay. The marginal rate is the tax on your next pound. The marginal rate is usually higher, because each band has a higher rate.