What is it?
The UK Income Tax Calculator shows your take-home pay after tax. It works out Income Tax, National Insurance and your Personal Allowance, and shows your take-home pay a year and a month.
Who is it for?
Employees and job seekers in England, Wales and Northern Ireland comparing salaries and take-home pay.
How to use it
Enter your Yearly salary (£) and any Pension (salary sacrifice / net pay). The answer appears as you type; there is no Calculate button. Pick your Currency at the top if asked, then tap Copy result or Share on WhatsApp.
Rates used
2026/27 rates for England, Wales and Northern Ireland: £12,570 allowance, 20% / 40% / 45%, employee NI 8% then 2% above £50,270. Scotland has its own Income Tax bands. Student loans are not included.
Things that change your tax
- Above £100,000, the Personal Allowance falls by £1 for every £2 earned, which creates an effective 60% rate between £100,000 and £125,140. Pension contributions can bring income back below £100,000.
- Your tax code (like 1257L) can differ because of benefits in kind, underpaid tax or a second job. Check your payslip.
- Student loan repayments (Plan 1, 2, 4, 5 or postgraduate) are taken on top.
- Relief-at-source pensions are not entered here; they are topped up by the government separately.
This is an estimate to help you plan, not financial or tax advice. For big decisions, check the latest rules and talk to a qualified adviser.
Errors and how to fix them
- Doesn’t match payslip: your tax code, student loan or Scottish rates differ.
Open the tool: UK Income Tax Calculator
Still stuck?
Contact support. Tell us which tool or page you were using, what you tapped, what you saw, and your phone or computer and browser (for example: Android phone, Chrome). We reply by email.
Questions, or an error not listed here?
Tell us in the comments: what you were doing, the exact message you saw, and your device and browser. We read every comment and add new fixes to this article.