Estimate Income Tax on employment income using the current Personal Allowance and marginal bands.
Advanced Income Tax estimate
Allowance and investment income
England, Wales and Northern Ireland estimate for non-savings, savings and dividends. National Insurance, Scottish Income Tax and complex relief restrictions are not included.
Estimated 2026/27 Income Tax
£0.00
Methodology
The standard £12,570 Personal Allowance is reduced by £1 for every £2 of adjusted net income above £100,000. Taxable income then passes through the £37,700 basic-rate band at 20%, the higher-rate band at 40%, and the additional-rate band at 45%.
Worked example
At £60,000 with the full allowance, taxable income is £47,430. The first £37,700 is taxed at 20% and the remaining £9,730 at 40%, producing £11,432 Income Tax before National Insurance.
Common questions
The standard Personal Allowance is £12,570, but it reduces when adjusted net income exceeds £100,000.
No. Each marginal rate applies only to income within its band.
No. This page isolates Income Tax. Use the salary calculator for a combined Income Tax and employee NI estimate.
Primary reference: HM Revenue & Customs — Income Tax rates and allowances. Rules reviewed 24 October 2026.
Rule period: Current published rules within the page’s stated period and scope
Next scheduled review: 15 December 2026
The implemented rates, thresholds, displayed scope and representative boundary behaviour were reviewed against the primary source linked on the page.
Covers non-savings, non-dividend income in England, Wales and Northern Ireland. Scotland, reliefs, Marriage Allowance, Blind Person’s Allowance and other adjustments are excluded. This calculator provides a planning estimate, not personal financial or tax advice.