💰 Tax Estimator & Calculator
💰 Tax Estimator & Calculator
📊 Tax Breakdown
Your Estimated Monthly Take-Home
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(Annual: --)
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Income Tax
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National Insurance
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Pension
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Student Loan
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📈 Percentage Breakdown
Total Deductions: --
Take-Home
Tax
NI
Pension
Loan
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Take-Home
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Tax
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NI
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Pension
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Loan
📚 UK Tax Bands 2026/27
Personal Allowance
Up to £12,570
0% Tax
Basic Rate
£12,571–£50,270
20% Tax
Higher Rate
£50,271–£125,140
40% Tax
Additional Rate
Over £125,140
45% Tax
Scotland (2026/27, six bands):
• Starter: 19% on £12,571–£16,537
• Basic: 20% on £16,538–£29,526
• Intermediate: 21% on £29,527–£43,662
• Higher: 42% on £43,663–£75,000
• Advanced: 45% on £75,001–£125,140
• Top: 48% over £125,140
• Starter: 19% on £12,571–£16,537
• Basic: 20% on £16,538–£29,526
• Intermediate: 21% on £29,527–£43,662
• Higher: 42% on £43,663–£75,000
• Advanced: 45% on £75,001–£125,140
• Top: 48% over £125,140
National Insurance (2026/27, UK-wide):
• £12,570–£50,270: 8%
• Over £50,270: 2%
• Under £12,570: 0%
• £12,570–£50,270: 8%
• Over £50,270: 2%
• Under £12,570: 0%
Student loan (England/Wales):
• Plan 1: 9% above £26,900
• Plan 2: 9% above £29,385
• Plan 4: 9% above £33,795
• Plan 5: 9% above £25,000
• Postgraduate: 6% above £21,000
• Plan 1: 9% above £26,900
• Plan 2: 9% above £29,385
• Plan 4: 9% above £33,795
• Plan 5: 9% above £25,000
• Postgraduate: 6% above £21,000
⚠️ Note: This calculator provides estimates based on standard UK tax rules. Actual tax may vary based on personal circumstances, allowances, and deductions. Consult a qualified accountant for professional advice.