Free UK income tax calculator

UK Income Tax Calculator 2026/27

Work out your take-home pay for the 2026/27 tax year — including income tax, National Insurance, student loan repayments, dividend tax and the High Income Child Benefit Charge. Unlike most calculators, this one also flags the tax cliff edges you're near (the 60% zone above £100,000, the child benefit taper, the £50,270 higher-rate threshold) and shows what you could do about them.

New to payslip deductions? Read our guide to gross vs net pay before using the calculator.

Due North Money · Tax year 2026/27

Income tax calculator,
with the tips your payslip won't give you

Work out your full tax position — then see the cliff edges you're near, what they cost, and the concrete steps that could claw the money back.

Where do you pay tax?

Student loans (select all that apply)

Children & childcare

Children you (or your partner) claim child benefit for:

Do you use (or plan to use) tax-free childcare or funded childcare hours?

Marriage allowance

Who this calculator is for

Anyone who wants to understand what they'll actually take home in 2026/27 — employees, higher earners approaching £100,000, parents claiming child benefit, people with dividend or savings income alongside a salary, and Scottish taxpayers who need the separate Scottish bands applied correctly.

The 2026/27 rules it uses

Personal allowance of £12,570, tapered by £1 for every £2 of income above £100,000.
Rest-of-UK bands: 20% basic to £50,270, 40% higher to £125,140, 45% additional above.
Scottish bands (starter, basic, intermediate, higher, advanced, top) applied when Scotland is selected.
Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, 2% above.
Dividend allowance £500; dividend rates 8.75% / 33.75% / 39.35%.
Personal savings allowance (£1,000 basic, £500 higher, £0 additional) and starting-rate band for savings.
Student loan Plans 1, 2, 4, 5 and Postgraduate at their 2026/27 thresholds.
High Income Child Benefit Charge tapered between £60,000 and £80,000.

Frequently asked questions

Does it work for Scottish taxpayers?

Yes — pick Scotland and the calculator switches to the Scottish income tax bands. National Insurance, dividend tax and savings interest are UK-wide and are handled the same way.

Why do I lose so much between £100,000 and £125,140?

Your personal allowance tapers away at £1 for every £2 of income over £100,000. Combined with 40% tax, the effective rate on that slice of income is 60%. The calculator flags this and shows how a pension contribution can bring you back below the threshold.

Does it include the High Income Child Benefit Charge?

Yes. Enter the number of children and the calculator applies the 2026/27 charge, which tapers between £60,000 and £80,000 of adjusted net income for the higher earner in the household.