Find out exactly how much Income Tax you owe in 2026/27. Enter your gross income, pension contributions, and we’ll show you the full breakdown by tax band, your effective rate, and your estimated take-home pay.
Income Tax in the UK is progressive. You only pay the higher rate on the part of your income that falls within each band — not on your entire income. Here are the rates for England, Wales and Northern Ireland in 2026/27:
| Band | Income range | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Above £125,140 | 45% |
The Personal Allowance of £12,570 is reduced by £1 for every £2 earned above £100,000, reaching zero at £125,140. If you earn above £100,000, consider maximising pension contributions to preserve your allowance.
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Try DeclarApp free →On a £30,000 salary in 2026/27, you pay 0% on the first £12,570 and 20% on the remaining £17,430 = £3,486 Income Tax. Add approx. £1,394 in NI (Class 1) and your total deductions are around £4,880, leaving take-home of about £25,120 per year (£2,093/month).
Yes. Employee pension contributions (to a workplace or personal pension) are deducted from your gross income before Income Tax is calculated, reducing your taxable income. If you are a higher-rate taxpayer, pension contributions can be particularly effective at reducing your tax bill.
The Marriage Allowance lets one partner transfer up to £1,260 of their unused Personal Allowance to the other. This reduces the recipient’s tax bill by up to £252 per year. It is available when one partner earns below the Personal Allowance threshold.