For your exact take-home pay with pension and student loan, use the take-home pay calculator. Sources on the methodology page.
Income tax rates and bands 2026/27
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The rates for the tax year from 6 April 2026 to 5 April 2027, from HMRC.
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Starter | £12,571 to £16,537 | 19% |
| Basic | £16,538 to £29,526 | 20% |
| Intermediate | £29,527 to £43,662 | 21% |
| Higher | £43,663 to £75,000 | 42% |
| Advanced | £75,001 to £125,140 | 45% |
| Top | Over £125,140 | 48% |
| Weekly / yearly earnings | Yearly | Rate |
|---|---|---|
| Up to £242 a week | Up to £12,570 | 0% |
| £242.01 to £967 a week | £12,570 to £50,270 | 8% |
| Over £967 a week | Over £50,270 | 2% |
| Salary | Income tax | National Insurance | Take-home | Income tax (Scotland) |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,446 |
| £25,000 | £2,486 | £994 | £21,520 | £2,446 |
| £30,000 | £3,486 | £1,394 | £25,120 | £3,451 |
| £35,000 | £4,486 | £1,794 | £28,720 | £4,501 |
| £40,000 | £5,486 | £2,194 | £32,320 | £5,551 |
| £50,000 | £7,486 | £2,994 | £39,520 | £8,982 |
| £60,000 | £11,432 | £3,211 | £45,357 | £13,182 |
| £75,000 | £17,432 | £3,511 | £54,057 | £19,482 |
| £100,000 | £27,432 | £4,011 | £68,557 | £30,732 |
| £125,000 | £42,432 | £4,511 | £78,057 | £47,607 |
| £150,000 | £53,703 | £5,011 | £91,286 | £59,634 |
Tax code 1257L, no pension or student loan.
Frequently asked questions
What are the income tax bands for 2026/27?
In England, Wales and Northern Ireland: 0% on the first £12,570 (personal allowance), 20% from £12,571 to £50,270, 40% from £50,271 to £125,140 and 45% above. Scotland has six bands from 19% to 48%.
Have the tax bands changed?
No. The personal allowance and the higher-rate threshold have been frozen since April 2021, so as wages rise more people pay higher-rate tax.
What is the 60% tax trap?
Between £100,000 and £125,140 the personal allowance is withdrawn at £1 for every £2 of income, so each extra £1 of income costs 40p of tax plus 20p from the lost allowance: an effective rate of 60%, before National Insurance.