Income Tax calculator
Your total 2026/27 Income Tax on salary, savings interest and dividends, with the Personal Allowance taper and every band of the calculation shown, not just an answer.
How this calculator works
It stacks your income the way HMRC does: non-savings income (salary, pension, property profit) first, then savings interest, then dividends. Your Personal Allowance is allocated across the stack in whichever order produces the lowest bill, the same beneficial order HMRC's own calculator uses. Every band row in the working is derived from the verified gov.uk Income Tax rates for 2026/27.
Above £100,000 the Personal Allowance shrinks by £1 for every complete £2 of extra income, which is why the marginal rate reaches 60% before the additional rate. The calculator shows that effect explicitly in the taper row.
By Mike, the developer behind ukmoneycalc. Every figure here is recomputed in code from the same engine the calculator runs, not typed by hand. The engine allocates your Personal Allowance across non-savings income, savings interest and dividends to find the lowest legal bill, then prices each band at the verified 2026/27 rates. Assumptions and limits live on the methodology page.
I built the income tax engine from the literal 2026/27 bands for both rUK and Scotland, including the Personal Allowance taper and the beneficial allocation order. The build step fills every figure on this page from that engine, so no number was hand-typed into the prose. Assumptions and limits live on the methodology page.
Common questions
How much can I earn tax-free in 2026/27?
The standard Personal Allowance is £12,570, so you pay no Income Tax on the first £12,570 of your income. It shrinks by £1 for every £2 of income above £100,000 and disappears completely at £125,140.
What are the Income Tax bands in England, Wales and Northern Ireland?
After your Personal Allowance, taxable income is charged at 20% up to £37,700, 40% from £37,700 to £125,140, and 45% above that.
Is Income Tax different in Scotland?
Yes. Scotland has six rates from 19% to 48%, and the band boundaries differ from the rest of the UK. Switch the region in the calculator to see the Scottish working.
Do savings and dividends count as income for Income Tax?
They do, and they sit above your other income in the calculation. Savings interest can be sheltered by the starting rate for savings and the Personal Savings Allowance, and the first £500 of dividends is tax-free at 2026/27 rates.