UK Income Tax & National Insurance Calculator 2026/27
Estimate 2026/27 UK take-home pay after income tax and employee NI.
- Free
- Instant result
- Private · on-device
- No sign-up
How to use: Enter your annual gross salary. See income tax, employee NI and take-home for the 2026/27 tax year (rUK rates).
How to use the UK Income Tax & NI Calculator
Choose England/Northern Ireland or Scotland, then enter your annual gross salary. The calculator applies the 2026–27 personal allowance (tapered above £100,000) and the correct Income Tax bands for that nation, then estimates employee National Insurance on a simplified annual model.
Review take-home pay, total Income Tax, NI, and the effective rate. Scottish bands differ from rUK, so switching the region can change the result even at the same salary. The tool is aimed at employed earners on PAYE-style income, not complex self-assessment cases.
Remember this is an educational estimate. It does not model student-loan deductions, pension salary sacrifice, marriage allowance, high-income child benefit charge, or employer NI. Tax codes, benefits in kind, and Scottish starter/intermediate bands can move real payslips.
Use the figures to compare offers, plan a move between Scotland and England, or check rough monthly take-home after a raise. Always verify against HMRC guidance or your payslip for the final number.
For VAT on purchases or hourly-to-salary conversions, open the linked UK VAT and salary tools on ViralScopeHub after you finish the Income Tax estimate.
Frequently asked questions
What is the UK Personal Allowance for 2026/27?
£12,570 for most people, tapering above £100,000 income.
Does this work for Scotland?
No. Scotland has different bands and rates — use a Scotland-specific calculator.
Is National Insurance included?
Yes, employee NI only. Employer NI is not taken from your pay.
Is this official HMRC software?
No. It is an educational estimate for England, Wales and Northern Ireland.