What this calculator does
UK Tax Calculator works out your take-home pay from a salary: income tax, National Insurance, pension contributions and student-loan repayments, for England, Scotland and the rest of the UK. It's built and maintained by a UK software engineer as a free, ad-light tool — not by HMRC or a financial adviser.
Every figure is for guidance only and is not personal financial or tax advice. For anything that affects a real decision, check the official gov.uk pages linked below or speak to a qualified adviser.
Which tax year we use
We support the 2024/25, 2025/26 and 2026/27 tax years. The calculator always uses the year YOU select with the year picker — it never silently assumes the current date. The figures on this page are the published 2026/27 rates (the current default); the other years apply their own published values.
The key figures we apply (2026/27)
These are the headline thresholds and rates the engine applies for 2026/27. Each links to the authoritative gov.uk source. The numbers below are read directly from the calculator's own rate tables, so this page can't drift from what it actually computes.
Personal Allowance
gov.uk — Income Tax rates and Personal Allowance ↗£12,570
Higher-rate threshold
gov.uk — Income Tax rates and bands ↗£50,270
Additional-rate threshold
gov.uk — Income Tax rates and bands ↗£125,140
Personal Allowance taper starts
gov.uk — Personal Allowance (income over £100,000) ↗£100,000
Income tax rates (basic / higher / additional)
gov.uk — Income Tax rates and bands ↗20% / 40% / 45%
Employee National Insurance (main / upper rate)
gov.uk — National Insurance rates and categories ↗8% / 2%
Student loan Plan 2 threshold
gov.uk — Repaying your student loan ↗£29,385
New State Pension (per week)
gov.uk — The new State Pension ↗£241/wk
Scotland & regions
Scottish taxpayers pay income tax at the Scottish rates and bands, which we apply when you choose Scotland (or a tax code starting with S). National Insurance is UK-wide. Wales currently mirrors the rest-of-UK income tax rates, so a Welsh salary is calculated the same as England.
What we don't model
To keep results honest, here's what the calculator deliberately does not do:
- It is not connected to your HMRC account — it can't see your real tax code history or payments.
- Projections (pension pot, inflation-adjusted retirement income) are estimates based on assumptions you set, not guaranteed outcomes.
- It doesn't give personalised tax advice or cover every edge case (e.g. complex benefits-in-kind, multiple simultaneous jobs with split allowances).
- Where a figure is an estimate or a future-year assumption, it's labelled as such in the tool.
Payslip & P60 checking
If you upload a payslip or P60, the calculator reads the figures on it (using on-device text recognition), reconciles them month-by-month, and flags discrepancies against the expected tax for the year. This is a checking aid, not an official assessment.
Your privacy
Every calculation runs entirely in your browser. Your salary and any uploaded payslip/P60 are processed on your device and are NOT sent to a server. Sharing a result is opt-in, and figures are only included in a shared link if you explicitly choose to add them.