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Estimate 2026/27 Income Tax and employee Class 1 National Insurance for England, Wales or Northern Ireland. Scottish Income Tax is not supported.
This calculator covers employment income in England, Wales and Northern Ireland. It uses a £12,570 standard Personal Allowance, 20% on the first £37,700 of taxable income, 40% from £37,700 to £125,140, and 45% above £125,140. The allowance reduces by £1 for every £2 of income above £100,000 and reaches zero at £125,140. Scotland uses different bands and rates and is not calculated here.
The National Insurance line uses the standard employee category A annual thresholds: 8% between £12,570 and £50,270, then 2% above £50,270. It is an annualised estimate divided by the selected frequency. Actual payroll applies National Insurance by earnings period and may differ because of pay timing, rounding, category letter, age, multiple employments, directorship, or other circumstances.
PAYE uses the employee’s tax code, payroll period, prior pay and tax, and sometimes week 1 or month 1 treatment. This form has only annual salary and display frequency, so it cannot reproduce a payslip or HMRC withholding. It assumes the standard Personal Allowance and does not model benefits, prior-year adjustments, multiple jobs, pension relief, Gift Aid, Blind Person’s Allowance, Marriage Allowance, or other income.
The displayed remainder subtracts the modelled annual Income Tax and employee National Insurance from the entered salary, then divides by the selected frequency. It excludes pension contributions, student or postgraduate loans, salary sacrifice, workplace benefits, and other deductions. Use it for a limited comparison, then check your tax code and current-year estimate with HMRC or compare the result with an actual payslip before making a financial decision.