---
title: "UK income tax bands calculator 2026–27 | TaxCalcTool"
description: "Calculate income tax bands after allowances for England, Wales and Northern Ireland in 2026–27. Excludes Scottish salary rates, National Insurance and loans."
canonical: "https://taxcalctool.com/united-kingdom/"
---

Canonical page: https://taxcalctool.com/united-kingdom/

> This is the readable version of the published page. Use the HTML page for interactive controls. Any displayed calculation is the page’s default example, not a personal estimate. The visible source status applies to this build; consult https://taxcalctool.com/source-health.json for the latest check.

[Tax calculators](https://taxcalctool.com/)  / United Kingdom

# UK income tax bands calculator 2026–27

Enter taxable non-savings income after allowances for England, Wales or Northern Ireland. The result applies the 2026–27 bands before tax reducers. Scotland has different salary bands and is not supported here.

[Calculate bracket tax](https://taxcalctool.com/united-kingdom/#calculator) [Understand the result](https://taxcalctool.com/united-kingdom/#understand) [Official tools](https://taxcalctool.com/united-kingdom/#official-tools)

United Kingdom · 2026–27

All amounts in GBP

Annual taxable income (GBP)

Default example input: 40000

Enter income after your Personal Allowance and other applicable reliefs. This tool does not subtract an allowance or determine whether it is reduced.

Income tax before tax reducers

£8,460.00

Annual amount · 2026–27 · Not take-home pay

How the tax bands apply to your input
| Taxable income band | Rate | Income in band | Tax |
| --- | --- | --- | --- |
| £0.00 to £37,700.00 | 20% | £37,700.00 | £7,540.00 |
| Over £37,700.00 to £125,140.00 | 40% | £2,300.00 | £920.00 |
| Over £125,140.00 | 45% | £0.00 | £0.00 |

The total is rounded after adding the bands. Individually rounded rows can differ from the total by a cent.

Calculations stay in your browser.

[Check this tool’s official source](https://taxcalctool.com/sources/#uk-income-rates)

## Work out your allowance first

The Personal Allowance is separate from the bands in this tool. It can be reduced for higher adjusted net income. Subtract only the allowance you qualify for before entering taxable income, rather than assuming everyone receives the full amount.

## A UK label needs a country check

England, Wales and Northern Ireland use the bands displayed here for non-savings income. Scottish employment income requires a different schedule. Savings and dividend income have their own rules and are excluded.

## From annual tax to monthly pay

National Insurance, pension contributions, student loans and payroll timing are outside this result. Dividing an annual tax amount by twelve does not reproduce PAYE withholding. The 2026–27 year runs from 6 April 2026 to 5 April 2027.

## Does this calculate my take-home salary?

No. It is the income-tax-band step after allowances. It excludes National Insurance, pension deductions, student loans and tax-code adjustments. Use the official estimate service for the next step.

## Continue with the official tools

Choose a tool that covers the components and personal details you need.

- [HMRC: rates on income after allowances](https://www.gov.uk/government/publications/rates-and-allowances-income-tax/income-tax-rates-and-allowances-current-and-past)
- [GOV.UK: Personal Allowance and current rates](https://www.gov.uk/income-tax-rates)
- [GOV.UK: estimate your Income Tax for the current year](https://www.gov.uk/estimate-income-tax)

[Inspect our source evidence and its verification status](https://taxcalctool.com/sources/#uk-income-rates) .

## About this calculation

Published by TaxCalcTool. The formula has automated reference and boundary tests. No professional tax review or government endorsement is claimed. [Read our content and correction policy](https://taxcalctool.com/editorial-policy/) .