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Income tax
Your take home pay, band by band
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UK 2026/27 tax year · liveThe UK tax calculator
The UK tax calculator
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See what you keep, where the money goes, and which tax cliffs to step around. Every figure shows the bands and allowances behind it.
2026/27 ratesVisible sourcesNo sign-upEngland · Scotland · Wales · NI
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£101,000 · England
You take home
£68,937
Employer pays £115,400 · effective tax 31.7%
Take home
£69k
Income tax
£28k
Employee NIC
£4k
Employer NIC
+£14k
For every £1 your employer pays out, you only see 60p in your pocket.
⚠ You're in the 60% trap
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£
High earners
Find the right route for £60k, £100k, bonuses and pensions.
Jump to the right calculator for Child Benefit, the £100k personal allowance taper, salary sacrifice, student loans and Scotland.
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Two scenarios, side by side.
Two job offers. Two pension contributions. A bonus taken as cash or sacrificed. Same salary in Scotland vs the rest of the UK. Same engine as the standalone calculators, this time on both sides at once.
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20 UK tax tools, organised by what you're working out.
Personal
Salary, self-employment, families, retirement
10 tools
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Bonus tax
Why your bonus took such a hit
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Pension and salary sacrifice
What each £1 in your pot really costs
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Reverse salary
Gross salary needed to take home £X
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Self employed
Sole trader take home pay, with NI and student loan
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Student loan
How much you'll repay this year
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⊙
Child benefit charge
How much child benefit you actually keep
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Adjusted net income
Threshold income for Child Benefit and the £100k taper
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♡
Marriage allowance
Save up to £252 a year between spouses
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✦
Inheritance
What your estate would owe in IHT
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Investing & savings
Dividends, capital gains, savings interest, ISAs
5 tools
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Capital gains
Tax on shares, crypto and property
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Share and fund CGT
Work out gains from buy and sell trades
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Dividends
What you keep from dividend income
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%
Savings interest
How much of your interest is tax free
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◎
ISA vs taxable
How much an ISA saves you over 20 years
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Property
Buying, holding, letting UK property
2 tools
Business
Limited companies, sole traders and VAT
3 tools
Curious where it all goes?
UK public spending 2024/25: £1.29 trillion across 15 categories
Welfare, NHS, pensions, debt interest and more, in one full HMRC breakdown. Sourced from HMRC's Annual Tax Summary methodology.
What changed for 2026/27
UK tax changes in effect from 6 April 2026, with HMRC sources.
BADR rate rises to 18%
Rate upBusiness Asset Disposal Relief is now 18% (up from 14% in April 2025, and 10% before that). The £1m lifetime limit is unchanged, so the maximum saving falls from £100k to £60k.
MTD for Income Tax is live
Now mandatorySole traders and landlords with combined income over £50,000 must now keep digital records and submit quarterly updates through MTD-compatible software. The £30,000 threshold follows in April 2027.
Plan 2 student loan threshold rises to £29,385
New rateUp from £28,470. Plan 4 (Scotland) also rises to £33,795 from £32,745. Repayment rate stays at 9% above the threshold.
Plan 5 reaches its first repayments
New rateEnglish graduates who started courses from August 2023 onwards begin repaying for the first time this April. Threshold £25,000, rate 9%, written off after 40 years.
Personal allowance still frozen at £12,570
FrozenFrozen by HMRC until April 2028, alongside the £50,270 higher-rate threshold. With wage growth, this quietly drags more earners into higher tax bands each year, known as fiscal drag.
Class 2 NIC stays abolished
FrozenSelf-employed people with profits above the £7,105 Small Profits Threshold get a State Pension qualifying year automatically, no Class 2 contributions needed. Class 4 remains at 6% / 2%.
Last reviewed 29 April 2026. Sources from HMRC and the Department for Education. Not financial advice.