Income tax calculator
Enter your salary and see the Income Tax and National Insurance you pay in 2026/27, band by band, with the arithmetic shown.
Income tax on your salary
£28,720a year
£2,393 a month£552 a week
You keep 82.1%£6,280 in tax and NI
Your gross annual salary before any deductions.
Add pension and student loanHide pension and student loan
| Gross salary | £35,000 |
|---|---|
| Income Tax | −£4,486 |
| National Insurance | −£1,794 |
| Student loan | −£0 |
| Pension | −£0 |
| Take-home pay | £28,720 |
- A month
- £2,393
- A week
- £552
- A day
- £110
- An hour
- £14.73
Figures for the 2026/27 tax year, on the standard £12,570 Personal Allowance and tax code 1257L. They assume no other income, benefits in kind or salary sacrifice. If your tax code is different, your figures will be too.
Income Tax bands for 2026/27
England, Wales and Northern Ireland
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | Up to £37,700 | 20% |
| Higher rate | £37,700 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Scotland
| Band | Taxable income | Rate |
|---|---|---|
| Starter rate | Up to £3,967 | 19% |
| Basic rate | £3,967 to £16,956 | 20% |
| Intermediate rate | £16,956 to £31,092 | 21% |
| Higher rate | £31,092 to £62,430 | 42% |
| Advanced rate | £62,430 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
Taxable income means income after the Personal Allowance has been deducted.
Common questions
- How much can I earn before paying Income Tax?
- The standard Personal Allowance is £12,570 for 2026/27. You pay no Income Tax on earnings up to that. The allowance shrinks by £1 for every £2 you earn above £100,000 and disappears entirely at £125,140.
- What are the Income Tax rates for 2026/27?
- In England, Wales and Northern Ireland: 20% on taxable income up to £37,700, 40% from there to £125,140, and 45% above that. Scotland has six bands running from 19% to 48%.
- Is Income Tax the same as National Insurance?
- No. They are separate charges with separate thresholds. Income Tax starts at the Personal Allowance; National Insurance starts at the primary threshold and, unlike Income Tax, the rate falls rather than rises once you pass the upper earnings limit.