UK Income Tax Calculator
Calculate non-savings Income Tax by region. Choose gross income with the standard allowance or an amount already reduced by applicable allowances.
Rule year: 2026/27 · GBP · Sources checked
Estimated Income Tax
2026/27 non-savings, non-dividend income only. Gross income is assumed equal to adjusted net income for the allowance calculation, with no pensions, Gift Aid or other relief. Taxable mode relies on your correctly prepared taxable amount. NI and other taxes are not included.
Income Tax by band
Only non-savings, non-dividend income is included. Taxable income is measured after the allowance shown above; Scottish bands apply only when Scotland is selected.
| Band | Taxable slice | Rate | Tax |
|---|---|---|---|
| £0 to £37,700 | £37,430.00 | 20% | £7,486.00 |
| £37,700 to £125,140 | £0.00 | 40% | £0.00 |
| £125,140 to above | £0.00 | 45% | £0.00 |
For informational purposes only. This estimate is not financial advice, a tax return, a payroll calculation or a lender decision. See the supported circumstances and exclusions below.
How this calculator works
Gross mode computes the supported standard Personal Allowance and its £1 reduction for each £2 of income above £100,000. Taxable-income mode avoids subtracting an allowance again. The band table identifies taxed portions rather than applying the top rate to all income. The next-pound figure also captures the allowance taper, so it can exceed the statutory band rate. Savings, dividends, reliefs and other adjusted-net-income items need separate treatment.
Formula and rules
In gross mode: allowance = max(0, 12,570 − max(0, income − 100,000) / 2). Tax = sum of taxable non-savings slices × regional rates. Already-taxable mode applies bands without another allowance deduction.
Assumptions and limitations
2026/27 non-savings, non-dividend income only. Gross income is assumed equal to adjusted net income for the allowance calculation, with no pensions, Gift Aid or other relief. Taxable mode relies on your correctly prepared taxable amount. NI and other taxes are not included.
Worked example
£50,000 gross non-savings income in England, with no adjustments, leaves £37,430 after the £12,570 allowance. At 20% in that band, the tax is £7,486. Already-taxable mode entered as £37,430 produces the same tax without deducting another allowance.
- Estimated Income Tax
- £7,486.00
- Personal Allowance used
- £12,570.00
- Taxable income
- £37,430.00
- Marginal statutory band rate
- 20%
Official sources and review
Reviewed against the sources below on 2026-10-06. Rates are held in versioned rule modules. Versioned rules, official source review and year-specific calculation tests.
- GOV.UK: Income Tax rates and Personal Allowances ↗
2026/27 allowance £12,570, taper above £100,000, and income bands.
- HMRC: Rates and thresholds 2026 to 2027 ↗
Regional PAYE bands, Category A NI, student-loan plans and current minimum wage.
Common questions
Why offer gross and taxable modes?
They prevent double deduction of an allowance. Gross mode uses the stated standard model; taxable mode applies only bands to an amount you have already prepared.
Why can tax on the next pound exceed the band rate?
In the allowance-taper range, an extra pound of income also removes part of the allowance. The next-pound result includes that modelled effect.
Are dividends and bank interest taxed here?
No. Those income types have different rules and allowances. This calculator handles the stated non-savings, non-dividend scope.