Income Tax Calculator 2026/27
Calculate your UK income tax liability with our free calculator. See basic, higher, and additional rate tax breakdowns. Includes Scottish income tax rates. Updated for 2026/27.
Your total taxable income for the year
Select if you pay Scottish income tax
Income Tax Bands 2026/27
Total Income Tax
£7,486
Effective Rate: 15.0%
Income After Tax
£42,514
Effective Tax Rate
15.0%
Marginal Rate
20%
Calculation Methodology
This calculator uses official HMRC income tax bands and rates for 2026/27. The personal allowance taper for high earners is automatically applied. Scottish rates are available as an option. All calculations are reviewed by a qualified ICAEW-regulated accountant.
Official Sources
Important: Results are estimates based on standard HMRC rules. Your actual tax may differ based on your specific tax code, benefits, or HMRC adjustments. Always verify with your employer or a qualified accountant.
Frequently Asked Questions
What are the UK income tax rates for 2026/27?
For the 2026/27 tax year, UK income tax rates are: Personal Allowance (0%) on income up to £12,570; Basic Rate (20%) on income from £12,571 to £50,270; Higher Rate (40%) on income from £50,271 to £125,140; Additional Rate (45%) on income over £125,140. Scotland has different rates with six bands.
What is the personal allowance and when does it reduce?
The personal allowance for 2026/27 is £12,570 - this is the amount you can earn tax-free. However, if your income exceeds £100,000, your personal allowance reduces by £1 for every £2 earned above this threshold. At £125,140, your personal allowance reaches zero.
How is income tax calculated on different income sources?
Non-savings income (salary, pension, property) is taxed first, then savings income, then dividends. Each type has different rates. Savings income may benefit from the Personal Savings Allowance (£1,000 for basic rate, £500 for higher rate). Dividends have a £500 allowance and lower rates.
What is the difference between English and Scottish income tax?
Scotland has six income tax bands instead of three. The Scottish rates for 2026/27 are: Starter Rate 19% (£12,571-£14,876), Basic 20% (£14,877-£26,561), Intermediate 21% (£26,562-£43,662), Higher 42% (£43,663-£75,000), Advanced 45% (£75,001-£125,140), Top 48% (over £125,140).
How can I reduce my income tax bill legally?
There are several legitimate ways to reduce income tax: Contribute to a pension (you get tax relief at your marginal rate); Use your ISA allowance (£20,000 per year); Claim Marriage Allowance if eligible (transfer £1,260 to your spouse); Make Gift Aid donations (extends your basic rate band); Salary sacrifice for benefits like childcare vouchers or cycle to work.