Income Tax Calculator 2026/27

Income Tax Calculator

✓ Verified for 2026/27

Your Income

£
%
Blind Person's Allowance Adds £3,070 to Personal Allowance
Take-Home Pay
£35,000
annual net salary
Income Tax
£5,000
effective rate
National Insurance
£2,000
employee NICs
Total Deductions
£10,000
total tax + NICs

Annual, Monthly & Weekly Breakdown

Gross Income £45,000
Pension Contrib. £2,250
Income Tax £5,000
National Insurance £2,000
Net Take-Home Pay £35,000
Net Pay 80%
Tax 10%
NI 10%
Period Gross Pension Tax NI Student Loan Take-Home
Year – – – – – –
Month – – – – – –
Week – – – – – –

Frequently Asked Questions

What is the personal allowance for 2026/27?

The personal allowance is £12,570. You pay no income tax on earnings up to this amount. The allowance tapers by £1 for every £2 earned above £100,000, fully withdrawn at £125,140.

Do I pay National Insurance on pension contributions?

If your employer operates salary sacrifice, contributions are taken before NI is calculated — saving both income tax and NI. Personal contributions from net pay do not save NI.

What does my tax code mean?

The most common code is 1257L, representing the £12,570 personal allowance. An S prefix indicates Scottish rates apply.

What is the marginal tax rate?

Between £100,000 and £125,140 your personal allowance is withdrawn, creating a 60% effective marginal rate. Pension contributions or salary sacrifice can reduce income back below £100,000.