Finance calculator
United Kingdom - Tax year 2026/27UK Income Tax + NI Calculator
Estimate UK take-home pay from employment income, income tax, employee National Insurance, tax region, and pre-tax deductions.
Formula
UK employment income estimate
This simplified calculator estimates employment income tax and employee National Insurance only. It excludes student loans, benefits in kind, pension relief detail, PAYE tax codes, savings, dividends, and capital gains.
Take-home pay = gross employment income - pre-tax deductions - income tax - employee National Insurance
For 60,000 employment income in England, Wales, or Northern Ireland, the estimate applies the Personal Allowance, tax bands, and employee NI bands.
Sources and assumptions
UK income tax and National Insurance source notes
This profile covers a simplified UK employment income estimate for tax year 2026/27. It applies the Personal Allowance taper, rest-of-UK or Scottish non-savings income tax bands, and employee Class 1 National Insurance thresholds.
- Effective year
- Tax year 2026/27
- Last verified
- 2026-05-29
This simplified calculator estimates employment income tax and employee National Insurance only. It excludes student loans, benefits in kind, pension relief detail, PAYE tax codes, savings, dividends, and capital gains.
Official and reference sources
Assumptions
- Income entered is annual employment income before income tax and employee National Insurance.
- Pre-tax deductions are treated as salary-sacrifice style deductions before income tax and National Insurance.
- England, Wales, and Northern Ireland mode applies the UK basic, higher, and additional rates for non-savings ordinary income.
- Scotland mode applies the Scottish non-savings bands after the calculated Personal Allowance.
Not included
- Student loans, pension tax relief detail, benefits in kind, taxable savings, dividends, capital gains, marriage allowance, and childcare rules.
- Employer National Insurance, PAYE coding notices, underpayments, emergency tax, and multiple jobs.
- Welsh rate changes if set differently, Scottish savings or dividend treatment, and exact HMRC payroll rounding.
FAQs
Which UK tax year does this calculator use?+
It uses tax year 2026/27 values for Personal Allowance, ordinary income tax bands, Scottish non-savings rates, and employee Class 1 National Insurance thresholds.
Does this include Scotland?+
Yes. Select Scotland for Scottish non-savings income tax bands. National Insurance thresholds are still applied separately.
How does the UK Income Tax + NI Calculator calculate the result?+
It uses the UK employment income estimate: Take-home pay = gross employment income - pre-tax deductions - income tax - employee National Insurance. For 60,000 employment income in England, Wales, or Northern Ireland, the estimate applies the Personal Allowance, tax bands, and employee NI bands.
What information do I need to use the UK Income Tax + NI Calculator?+
Estimate UK take-home pay from employment income, income tax, employee National Insurance, tax region, and pre-tax deductions.
How accurate is the UK Income Tax + NI Calculator?+
UK Income Tax + NI Calculator applies the formula and assumptions shown on this page. Results may be rounded for readability, so verify changing rates, thresholds, medical guidance, or legal rules with the cited source or a qualified professional.
What should I check before using the UK Income Tax + NI Calculator result?+
Check that the units, dates, rates, and assumptions match your situation. Change one input at a time to understand which values have the largest effect on the result.
Finance guide
How to use the UK Income Tax + NI Calculator
Estimate UK take-home pay from employment income, income tax, employee National Insurance, tax region, and pre-tax deductions. The page also explains the UK employment income estimate and shows a practical example: For 60,000 employment income in England, Wales, or Northern Ireland, the estimate applies the Personal Allowance, tax bands, and employee NI bands.
- 1
Enter your details
Enter employment income, income tax, employee National Insurance, tax region, and pre-tax deductions, then complete any other fields shown in the calculator.
- 2
Check the calculation
Review the result alongside the UK employment income estimate: Take-home pay = gross employment income - pre-tax deductions - income tax - employee National Insurance.
- 3
Compare scenarios
Change one or more inputs to see how they affect the UK Income Tax + NI Calculator result before you use the estimate.
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