Indietax

Income Tax Calculator 2026/27

Updated for the 2026/27tax year · Last updated

Enter your annual income to see a full breakdown of your UK income tax — band by band, with your effective rate. Toggle the Scotland switch if you pay the Scottish rate of income tax.

Total income tax

£4,486

Effective rate: 12.8%

BandRateTax
Personal Allowance0%£0
Basic Rate20%£4,486

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How this calculator works

Income tax is calculated progressively. Each band only applies to the slice of income that falls within it — moving into a higher band does not tax all your income at the higher rate.

The calculator first applies the personal allowance taper: for income above £100,000, the allowance reduces by £1 for every £2 of excess income. At £125,140 the allowance reaches nil.

Scottish taxpayers pay income tax under the Scottish Rate of Income Tax (SRIT), which has separate bands set each December by the Scottish Parliament. The underlying personal allowance is set by the UK government and applies uniformly across all nations.

Frequently asked questions

The personal allowance is £12,570 — the amount of income you can earn each tax year before paying income tax. It has been frozen at this level since 2021/22 and is set to remain frozen until at least 2027/28.
Your personal allowance reduces by £1 for every £2 of income above £100,000. It reaches zero at £125,140, meaning income between £100,000 and £125,140 faces an effective 60% marginal rate.
In England, Wales, and Northern Ireland: 0% on the first £12,570 (personal allowance), 20% on £12,571–£50,270 (basic rate), 40% on £50,271–£125,140 (higher rate), and 45% above £125,140 (additional rate). Scotland uses different bands and rates.
Yes. Scotland has six bands: starter (19%), basic (20%), intermediate (21%), higher (42%), advanced (45%), and top (48%). The thresholds differ from the rest of the UK. Use the Scotland toggle in the calculator to see Scottish rates.
This calculator covers employment and self-employment income. For dividend income, use the Dividend Tax Calculator — dividends are taxed at different rates and the ordering rules mean they always sit on top of other income.

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