UK income tax calculator
See your full UK income-tax bill for any of the last three tax years, broken down across the basic, higher and additional rate bands for England, Wales and Northern Ireland. It also works out your employee National Insurance, the taxable value of a company car, and dividend tax stacked on top of your earned income.
Income tax band breakdown
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Dividend band breakdown
| Band | In band | Tax |
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Coming soonHow this is calculated
- We start with your total income: salary, the taxable value of any company car, and dividends.
- We work out your Personal Allowance (the amount you can earn before paying income tax) and reduce it by £1 for every £2 you earn over £100,000.
- We apply the UK's three income-tax bands (basic, higher and additional) to your earned income, filling each band in turn.
- We apply the UK's dividend-tax rates to your dividends, stacked on top of your earned income within the same band ladder.
- We work out your Class 1 National Insurance, charged only on your salary, not on dividends or your company car.
- We subtract all the tax and National Insurance from your total income to give your take-home pay, and show the effective rate (total tax as a percentage of total income).
Frequently asked questions
What are the UK income tax rates for 2026/27?
England, Wales and Northern Ireland have three rates: basic 20% on taxable income up to £37,700, higher 40% above that to £125,140, and additional 45% over £125,140. The thresholds are frozen until 2030/31.
Is this calculator right for Scotland?
No. Scotland sets its own income tax bands. If you live in Scotland, use the Scottish income tax calculator instead. The rates and thresholds are different.
How are dividends taxed?
Dividends have a separate £500 allowance, then are taxed at 10.75% (basic), 35.75% (higher) and 39.35% (additional) for 2026/27, stacked on top of your earned income within the UK bands.
How does a company car affect my tax?
The taxable benefit (P11D value × CO₂ rate) is added to your earned income and taxed at your marginal rate. The calculator shows the extra tax the car costs you separately.
Why does my Personal Allowance disappear over £100,000?
It tapers by £1 for every £2 of income over £100,000, so it reaches zero at £125,140. This is the cause of the so-called 60% effective tax band.
When do the 2026/27 rates take effect?
The 2026/27 income tax year runs from 6 April 2026 to 5 April 2027.
If you care enough to break your tax down band-by-band, a plain-English UK tax reference is worth having on the shelf.
This calculator is for general guidance only. It does not replace advice from a tax adviser or accountant on your personal circumstances.
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