2026/27 tax year (6 April 2026 – 5 April 2027)
Salary after tax
Your salary as a skyscraper
Each floor is a slice of your yearly salary with its own tax rate. Blue is what you keep from that floor; red goes to tax and yellow to contributions. Your marginal rate applies only to the top floor, the next slice of pay you earn. A raise adds floors on top, and the floors below keep their rates.
Yearly amounts. Hover or tap a floor for its numbers. Very thin slices are merged into the floor below; the Marginal rate tab lists every threshold.
Breakdown by pay period
Compare salaries
Add up to five annual salaries — a raise, two job offers, or the same pay in different places.
Your marginal tax rate
Marginal rate is the share of your next unit of salary that goes to tax and payroll deductions. Average rate is the share of your whole salary that does.
Tax brackets apply only to the slice of income that falls inside each one. Moving into a higher bracket raises the rate on the extra income only; everything below keeps its lower rates. That is why the average rate climbs slowly behind the marginal rate.
The marginal rate also moves when a payroll contribution reaches its yearly ceiling (it falls), when an allowance or credit is phased out (it rises), or when a levy phases in.
- Marginal rate
- Average rate
- Your salary
Where your marginal rate changes
Take-home pay at other salaries
Buy us a Donut
No sign-up, no paywall, and your data never leaves your browser. Every rate is checked against official tax sources, and tax rules change every year.
If this saved you a spreadsheet or a call to your accountant, a donut keeps the numbers current and the calculator free for the next person.
How this is calculated
Rules, rate tables, what's not included, and official sources
- Income Tax brackets below apply to taxable income, which is salary minus the £12,570 Personal Allowance.
- The Personal Allowance falls by £1 for every £2 of income above £100,000, reaching zero at £125,140.
- Scottish taxpayers use Scotland's six bands; everyone else in the UK uses the three rUK bands.
- Employee Class 1 National Insurance (category A) is 8% of earnings between £12,570 and £50,270 and 2% above that. It is shown on an annual basis; payroll applies it per pay period, which can differ slightly when pay varies.
| Band | Taxable income (after allowance) | Rate |
|---|---|---|
| Basic rate | Up to £37,700 | 20% |
| Higher rate | £37,700 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Band | Taxable income (after allowance) | Rate |
|---|---|---|
| Starter rate | Up to £3,967 | 19% |
| Basic rate | £3,967 – £16,956 | 20% |
| Intermediate rate | £16,956 – £31,092 | 21% |
| Higher rate | £31,092 – £62,430 | 42% |
| Advanced rate | £62,430 – £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
Not included
- Pension contributions and salary sacrifice.
- Student loan and postgraduate loan repayments.
- Marriage Allowance, Blind Person's Allowance and tax-code adjustments such as benefits in kind.
Employers pay their own secondary Class 1 National Insurance on top of salary; it is not deducted from your pay.
Sources
- GOV.UK — Income Tax rates and Personal Allowances
- GOV.UK — Scottish Income Tax 2026 to 2027
- GOV.UK — National Insurance rates and category letters
Rates last checked against these sources on 2026-09-30.