About this tool
For the 2026/27 tax year (6 April 2026 to 5 April 2027) in England, Wales and Northern Ireland:
- Personal Allowance: the first £12,570 is tax-free. It falls by £1 for every £2 of income over £100,000, and is gone at £125,140.
- Income Tax: 20% on the next £37,700 (the basic rate), 40% up to £125,140 (the higher rate) and 45% above that (the additional rate).
- Class 1 National Insurance for employees: 8% on earnings between £12,570 and £50,270 a year, and 2% above that.
The pension contribution is treated as salary sacrifice, coming off before tax and National Insurance. If your pension uses "relief at source", your payslip will look slightly different, but the overall saving is similar for basic-rate taxpayers.
Good to know
- England, Wales and Northern Ireland rates. Scotland has different Income Tax bands, which are not included yet.
- Student loan repayments, the Marriage Allowance, benefits in kind and tax codes other than 1257L are not included.
- National Insurance is worked out on yearly pay; it is actually charged on each pay period, so months with bonuses differ.
- An estimate, not tax advice. Check your payslip or HMRC.