Income Tax Calculator (2026/27)
See your income tax, National Insurance and take-home pay on a salary in 2026/27 — then see what Reform UK's £20,000 tax-free allowance would save you.
Your pay
How income tax works in 2026/27
You pay no income tax on the first £12,570 (the personal allowance), then 20% up to £50,270, 40% up to £125,140 and 45% above. These bands — often called the UK tax brackets for 2026/27 — are unchanged from last year and frozen until 2031, see fiscal drag. National Insurance is 8% between £12,570 and £50,270, then 2%.
Income tax in Scotland
Scotland sets its own income-tax bands on earned income (National Insurance is UK-wide). For 2026/27: a 19% starter rate from £12,571 to £16,537, 20% to £29,526, a 21% intermediate rate to £43,662, a 42% higher rate to £75,000, a 45% advanced rate to £125,140 and a 48% top rate above that. Lower earners pay slightly less than in the rest of the UK; from roughly £30,000 upwards Scots pay more. Pick "Scotland" in the calculator to compare the two systems on your salary.
What each party would change
- Reform UK — raise the allowance to £20,000 and the 40% threshold to £70,000.
- Conservatives — Triple Lock Plus would raise the tax-free allowance for pensioners.
- Greens — charge full-rate NI above £50,270 (a rise for higher earners).
Frequently asked questions
How much income tax and National Insurance will I pay in 2026/27?
You pay no income tax up to £12,570, then 20% to £50,270, 40% to £125,140 and 45% above. Employee National Insurance is 8% between £12,570 and £50,270, then 2%. Enter your salary in the calculator for your exact tax, NI and take-home pay.
How would Reform's £20,000 allowance change my tax?
Reform UK would raise the personal allowance to £20,000 and the 40% threshold to £70,000, saving most workers around £1,486 a year and more for higher earners. The calculator shows your figure.
How much income tax will I pay in Scotland in 2026/27?
Scotland sets its own bands: 19% starter rate from £12,571 to £16,537, 20% to £29,526, 21% intermediate to £43,662, 42% higher to £75,000, 45% advanced to £125,140 and 48% top rate above that. Choose Scotland in the calculator to see your figure and how it compares with the rest of the UK.