BI CFO / United Kingdom / UK income tax and take-home pay calculator
UK income tax and take-home pay calculator
Income tax and National Insurance for 2026/27, with pension contributions, the £100,000 taper and Scottish rates.
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What are the 2026/27 income tax rates?
In England, Wales and Northern Ireland: personal allowance £12,570, 20% to £50,270, 40% to £125,140 and 45% above. The allowance falls by £1 for every £2 of income over £100,000.
What are the Scottish rates for 2026/27?
19% starter rate to £16,537, 20% basic to £29,526, 21% intermediate to £43,662, 42% higher to £75,000, 45% advanced to £125,140 and 48% top rate above.
How much National Insurance do employees pay?
8% on earnings between £12,570 and £50,270 a year and 2% above. Employers pay 15% above £5,000.
Does salary sacrifice save NI?
Yes. Pension paid through salary sacrifice reduces both income tax and NI. Net pay and relief at source schemes give income tax relief only.
Read the guide
For education only. Tax code 1257L, no student loan, benefits in kind or the High Income Child Benefit Charge. Not tax advice.