UK Income Tax Calculator
Calculate how much Income Tax you owe, broken down by tax band: basic, higher, and additional rate.
2026/27 rates · last verified 15 August 2026
Estimates only, not financial advice. Verify with HMRC or a qualified accountant before making decisions. See our full disclaimer.
Tax by band
| Band | Taxed at | Amount in band | Tax |
|---|---|---|---|
| Basic rate | 20% | £22,430.00 | £4,486.00 |
How this is calculated
This calculator applies the current UK Income Tax bands to your taxable income and shows how much falls into each band, so you can see where your tax bill comes from.
Taxable income is what's left after your Personal Allowance, the amount you can earn tax-free each year. Once your adjusted net income is above £100,000, the Personal Allowance itself starts shrinking by £1 for every £2 you earn, disappearing completely at £125,140, which is why very high earners can face a higher effective rate over that stretch of income than the headline 45% additional rate suggests.
Income Tax bands are devolved in Scotland, which uses six bands instead of the three rest-of-UK bands. Toggle the region above to match where you're a taxpayer, usually wherever your main home is, not where you work. This calculator applies the standard Personal Allowance and doesn't take a tax code as an input, so if HMRC has adjusted your code for another reason, your actual PAYE deduction will differ from what's shown here.
Frequently asked questions
What are the UK Income Tax bands?
The UK uses a tiered system: a tax-free Personal Allowance, then basic rate, higher rate, and additional rate bands, each taxed at a progressively higher percentage.
Is this calculator for England, Wales, Scotland, or Northern Ireland?
It covers both: use the region toggle. Income Tax bands differ in Scotland, so we switch to the six Scottish bands and rates when you select it.
What income counts towards my taxable income?
Salary, self-employment profit, most pension income, and rental profit all count. Dividends and savings interest are taxed separately with their own allowances and rates. Use the Dividend Tax Calculator for dividend income.
Why does my Personal Allowance show as less than £12,570?
If your adjusted net income is above £100,000, the Personal Allowance tapers away by £1 for every £2 over that threshold, reaching zero at £125,140. That's applied automatically here, using the income you enter as a proxy for adjusted net income.
Is this the same as my tax code?
Only if you're on the standard code. A standard tax code (1257L for most people in 2026/27) reflects the standard £12,570 Personal Allowance, which is what this calculator assumes. This calculator doesn't take a tax code as an input, so if HMRC has adjusted yours, for example a K code, a BR/D0/D1 second job code, or a Marriage Allowance adjustment, your actual bill will differ from what's shown here.
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