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UK Tax Calculator 2026/27

NEW

Enter your annual salary and optional deductions to see your monthly and annual take-home pay with a full tax breakdown for the 2026/27 tax year.

2026/27 UK tax year — rates as announced in Spring Budget 2026

£

Tax Breakdown

Take-Home Income Tax NI Pension Student Loan
Gross
--
Tax
--
NI
--
Take-Home
--
Category Monthly Annual
Gross Salary -- --
Pension -- --
Taxable Income -- --
Income Tax -- --
National Insurance -- --
Take-Home Pay -- --
Effective tax rate: --
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How to use UK Tax Calculator

  1. Enter your annual gross salary in pounds (£).
  2. Optionally enter your pension contribution percentage.
  3. Select your student loan plan if applicable.
  4. View your tax breakdown — income tax, NI, student loan, and take-home pay.
  5. Scroll down to see the detailed monthly and annual breakdown table.

What is UK Tax Calculator?

This UK tax calculator uses the 2026/27 tax year rates: Personal Allowance of £12,570 (reducing above £100,000), Basic rate 20% (£12,571-£50,270), Higher rate 40% (£50,271-£125,140), and Additional rate 45% (above £125,140). National Insurance is calculated at 8% on earnings between £12,576 and £50,270 and 2% above that.

It also handles pension contributions (deducted before tax), all five student loan plans (Plan 1, 2, 4, 5, and Postgraduate) with their respective thresholds, and the personal allowance taper above £100,000. Results are shown both monthly and annually with a visual tax breakdown progress bar.

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FAQ

What are the 2026/27 UK tax bands?
Personal Allowance: £0-£12,570 (0%), Basic rate: £12,571-£50,270 (20%), Higher rate: £50,271-£125,140 (40%), Additional rate: above £125,140 (45%). The personal allowance reduces by £1 for every £2 earned above £100,000.
How are pension contributions handled?
Pension contributions are deducted from your gross salary before income tax is calculated, reducing your taxable income. This reflects the tax relief you receive on workplace pension contributions.
Which student loan plan should I select?
Plan 1: pre-2012 (England/Wales), Plan 2: 2012-2023, Plan 4: Scotland, Plan 5: post-2023 (England), Postgraduate: Master's/PhD loans. Each has different repayment thresholds.
Is this calculation exact?
This provides an accurate estimate based on 2026/27 tax rates. It does not account for all possible variables such as marriage allowance, blind person's allowance, benefits in kind, or salary sacrifice schemes. For exact figures, consult HMRC or a qualified accountant.

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Author

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Omar Hassan"The Number Cruncher"

Engineer & Unit Conversion Specialist

Omar is a mechanical engineer by training and a unit-conversion enthusiast by passion. He's built calibration systems for aerospace manufacturers.

📖 UK Tax Calculator on Wikipedia · Calculators & Converters on Wikipedia · UK Tax Calculator on Britannica

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