UK Income Tax Calculator 2026/27
Take-home
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2026/27 rates · Last checked · Sources visible below
The truth about your £101,000 salary
For every £1 you cost your employer, only 60p reaches your pocket
Total tax /yr
£32,063
31.7% of gross
True tax burden
£46,463
40.3% incl. employer NIC
Employer cost /yr
£115,400
gross + £14,400 NIC
Tax band breakdown
3 taxed bands · marginal 62%
Total income tax £28,032
Above £100k: show the working
This is the part of your income inside the personal-allowance taper. The extra tax from the lost allowance is shown separately, so the 62% marginal rate is visible.
Extra income in taper zone
£1,000
Income tax at 40%
-£400
Personal allowance lost
£500
Extra tax from lost allowance
-£200
Employee NIC at 2%
-£20
Total marginal deduction
-£620
You keep from this slice
£380
Heads up
You're in the 60% trap
You're £1,000 into the £100k–£125,140 zone. Every extra £1 here keeps you only ~38p, so a pension top-up is unusually efficient.
Savings allowance halved
Higher-rate taxpayers get £500 of interest tax-free instead of £1,000.
Your allowances
2026/27
- Personal allowanceReducedTapered because income is above £100,000.£12,070 / £12,570
- Personal savings allowanceReducedHalved to £500 at higher rate.£500 / £1,000
- Marriage allowanceLostOnly available to basic-rate taxpayers.£0 / £1,260
- Child benefitLostFully clawed back via HICBC at incomes above £80,000.£0 / £1,407
- Pension annual allowanceAvailableUp to £60k can be contributed across all pensions per year (subject to earnings). Tapers above £260k adjusted income.£60,000
- ISA allowanceAvailable£20,000 across all ISAs per tax year.£20,000
- Dividend allowanceAvailableFirst £500 of dividend income is tax-free.£500
- Capital gains allowanceAvailableFirst £3,000 of gains per year is tax-free.£3,000
Where you stand
Income of £101,000 · UK adults
Where your tax goes
on £32,063 total tax + NIC
Illustrative allocation only - UK taxes are not ring-fenced. Approximate share of UK central government spending, applied to your total tax + NIC.
Per-capita weekly welfare spend: £246.1bn (PESA 2025, Social Protection excl. state pensions) ÷ 67.6M UK population ÷ 52 weeks ≈ £70/week. This is not a Universal Credit claimant's entitlement; the standard allowance for a single adult 25+ is ~£92/week.
View source ↗£6,829
Welfare
≈ 98 weeks of welfare per citizen
Per-citizen daily NHS spend: £241.8bn (PESA 2025, Health) ÷ 67.6M ÷ 365 ≈ £9.80/day. The average national contribution per person per day, not the cost of any specific treatment.
View source ↗£6,701
Health
≈ 684 days of NHS care (per citizen)
New State Pension full rate, 2026/27: £241.05/week (4.7% triple-lock increase from April 2026). HMRC sources the £137.8bn pensions outturn from OBR March 2025.
View source ↗£3,815
State Pensions
≈ 16 weeks of state pension
£124.7bn in 2024/25 of interest on UK government gilts. Rose sharply from 2022 with higher interest rates and inflation-linked gilts. Now larger than the entire defence budget.
View source ↗£3,463
National Debt Interest
DfE per-pupil revenue funding (~£7,400/year for state schools) ÷ 195 school days ≈ £38/day. A blended primary/secondary average. Total education spend in HMRC's category (£118.7bn) also covers higher education, further education, and early years.
View source ↗£3,302
Education
≈ 87 school days funded
£63.6bn in 2024/25. UK defence spending is committed to rise from ~2.3% of GDP toward 2.5% by 2027.
View source ↗£1,763
Defence
Categories and shares from HMRC's 2024/25 Annual Tax Summary methodology (PESA 2025 + OBR March 2025). Last reviewed 2026-04-29.
+ £6,220 across public order & safety, transport, business & industry and 6 more
Use this if
- You are employed in the UK and want PAYE take-home pay.
- You want income tax, employee NIC, employer NIC and the 60% trap shown separately.
- You want to include common extras like pension, bonus, student loan or tax code.
Not for
- Split-year residence or non-UK residency.
- Benefits in kind, BR/D0/K tax codes or complex Self Assessment cases.
- Final filing figures for unusual pension annual allowance positions.
Tax year 2026/27 · Estimates based on HMRC published rates · Not financial advice.
Annual computation. PAYE deductions on a monthly payslip can differ by a few pounds (typically <£5/yr) due to per-period rounding in HMRC's tax tables.