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UK Tax & National Insurance Calculator
Estimate Income Tax, employee or self-employed National Insurance and annual take-home income for the 2026–27 tax year. Use it without signing in; your figures stay in this page and are not saved.
An estimate, not tax advice
This calculator estimates one source of earned income for the 2026–27 tax year. It is not a tax return or payroll calculation.
Your income and tax residence
Illustrative example: £35,000 employment income in England. Change any option to see a fresh estimate.
Enter your annual salary before Income Tax and employee National Insurance.
Use annual income before Income Tax and National Insurance deductions.
Scottish residents use Scotland’s Income Tax bands. England, Wales and Northern Ireland use the same bands in this estimate.
Your estimate
Income Tax & National Insurance
England · Employment salary
Estimated Income Tax by band
£4,486.00
- Basic rate (20%)
- First £37,700 of taxable income · £22,430.00 taxed
- Higher rate (40%)
- Next £87,440 of taxable income · £0.00 taxed
- Additional rate (45%)
- Above £125,140 of taxable income · £0.00 taxed
£4,486.00
£0.00
£0.00
Estimated National Insurance
£1,794.40
- Class 1 employee NI
- Standard Category A annualised estimate
£1,794.40
- Total estimated deductions
- £6,280.40
- Estimated monthly take-home
- £2,393.30
- Estimated annual take-home
- £28,719.60
Income Tax plus the National Insurance options shown above
Annual take-home divided by 12
2026–27 assumptions and sources
Tax year: 6 April 2026 to 5 April 2027. Income Tax band amounts below are applied to taxable income after the Personal Allowance. Scottish bands differ from the rest of the UK.
- Personal Allowance: £12,570, reduced by £1 per £2 over £100,000 and tapered to zero at £125,140.
- England, Wales and Northern Ireland: 20%, 40% and 45% Income Tax bands.
- Scotland: 19%, 20%, 21%, 42%, 45% and 48% Income Tax bands.
- Employee Class 1 NI: estimated at 8% between £12,570 and £50,270, then 2% above.
- Self-employed Class 4 NI: 6% between £12,570 and £50,270, then 2% above.
- Class 2: treated as paid from £7,105 profit; below that, optional voluntary Class 2 is estimated at £3.65 per week.
Official GOV.UK references
What this estimate leaves out
This is a simplified estimate for one source of earned income. It is not a tax return, payroll calculation or tax advice. For the Personal Allowance taper, it treats the entered salary or profit as adjusted net income; other income and tax reliefs can change that amount.
It does not include savings, dividends or rental income; multiple jobs or a mix of employment and self-employment; tax-code differences; pension contributions; student loans; benefits; special National Insurance categories; director rules; or other personal allowances. Employee NI uses an annualised standard Category A estimate, so payroll-period deductions can differ. Check GOV.UK or a qualified tax adviser for your circumstances.