UK Tax Calculators 2026/27
Five calculators in one place. Income Tax, National Insurance, Pension, Student Loan and Take-Home Pay. All on this page. All with the 2026/27 thresholds. No subpages.
Five calculators in one place. Income Tax, National Insurance, Pension, Student Loan and Take-Home Pay. All on this page. All with the 2026/27 thresholds. No subpages.
rUK + Scottish 6-band PAYE for 2026/27. Personal Allowance £12,570 (frozen until April 2028).
Annual income tax
£6,486
£540.50 per month · £124.73 per week
Take-home (income tax only)
£38,514
Before NI, pension, student loan
Effective tax rate
14.4%
Total tax ÷ gross salary
| Band | Taxable | Rate | Tax |
|---|---|---|---|
| Personal allowance (0%) | £12,570 | 0% | £0.00 |
| Basic rate (20%) | £32,430 | 20% | £6,486.00 |
| Total income tax | £6,486.00 |
Calculations use HMRC published rates and thresholds for the 2026/27 tax year. This calculator estimates income tax only: it does not include National Insurance, student loan, pension, or savings/dividend allowances. The personal allowance taper is applied using gross salary as a proxy for adjusted net income; pension contributions and gift aid would reduce the taper in reality. Always verify against your HMRC personal tax account before acting.
Class 1 employee contributions for 2026/27. 8% between Primary Threshold £12,570 and Upper Earnings Limit £50,270; 2% above.
Annual NI
£2,594
£216.20 per month · £49.89 per week
Effective NI rate
5.77%
NI ÷ earnings
Annual earnings
£45,000
Annualised from your input
| Band | Earnings in band | Rate | NI |
|---|---|---|---|
| Below Primary Threshold (0%) | £12,570 | 0% | £0.00 |
| Main rate (8%) PT-UEL | £32,430 | 8% | £2,594.40 |
| Total NI | £2,594.40 |
This calculator estimates Class 1 NI for category A employees, employer NI on the same earnings, and Class 4 NI for self-employed sole traders. It does not handle directors' cumulative NI calculation, NI categories other than A, off-payroll IR35 cases, mariners or share fishermen rules. Verify against your payslip or HMRC personal tax account before acting.
Statutory minimum 8% of qualifying earnings (£6,240 to £50,270 band): 5% employee, 3% employer.
Total into pension (annual)
£3,101
Employee + employer (incl. tax relief where applicable)
Net cost to you
£1,395
Real reduction in take-home
Effective boost
2.22×
Pension pot per £1 of net cost
| Contribution base | £38,760 |
| Employee contribution (5%) | £1,938.00 |
| Employer contribution (3%) | £1,162.80 |
| Income tax saved | £387.60 |
| Employee NI saved | £155.04 |
| Total into pension | £3,100.80 |
| Net cost to your take-home | £1,395.36 |
Auto-enrolment and Custom modes assume relief-at-source (RAS). If your scheme is a net-pay arrangement, your real net cost is the same as salary sacrifice for income tax (but not NI). Salary sacrifice mode assumes both income tax and NI are saved on the contribution; some employers also share their own NI saving: model that by adjusting the employer % upward. The annual allowance (£60,000), tapered annual allowance, MPAA (£10,000) and lifetime allowance abolition are not modelled. This calculator does not constitute financial advice: see a qualified adviser before changing pension contributions.
Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, Postgraduate £21,000. 9% above threshold (6% PG).
Total annual repayment
£505
£42.11 per month · £9.72 per week
Plans selected
1
Plan 2
Annual gross
£35,000
From your input × frequency
| Plan | Threshold | Earnings above | Rate | Annual | Monthly |
|---|---|---|---|---|---|
| Plan 2 | £29,385 | £5,615 | 9% | £505.35 | £42.11 |
| Total | £505.35 | £42.11 |
Thresholds shown are the most recently confirmed values; HMRC publishes formal 2026/27 figures in early 2026. Repayments are deducted by your employer through PAYE in each pay period: actual deductions are calculated on each pay period's earnings, not annualised. Loan balance, accrued interest and write-off horizon are not modelled here. Verify against your HMRC personal tax account or Student Loans Company account.
All deductions combined: PAYE + NI + pension + student loan. Use the dedicated calculator for the full interactive experience.