Finance calculator

United Kingdom flagUnited Kingdom - Tax year 2026/27

UK Income Tax + NI Calculator

Estimate UK take-home pay from employment income, income tax, employee National Insurance, tax region, and pre-tax deductions.

FormulaTake-home pay = gross employment income - pre-tax deductions - income tax - employee National Insurance

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.

SourcesThis 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.

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.
FAQ6 common questions for this calculator.

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?+

For the UK Income Tax + NI Calculator, 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?+

For the UK Income Tax + NI Calculator, enter employment income, income tax, employee National Insurance, tax region, and pre-tax deductions. Keep the units consistent with the calculator fields and compare your setup with the worked example on the page.

How accurate is the UK Income Tax + NI Calculator?+

UK Income Tax + NI Calculator is accurate for the rates, amounts, dates, and rules entered. It uses the UK employment income estimate shown on this page. Real products can differ because of fees, taxes, contract terms, or changing official thresholds.

What should I check before using the UK Income Tax + NI Calculator result?+

For the UK Income Tax + NI Calculator, check employment income, income tax, employee National Insurance, tax region, and pre-tax deductions, then compare the UK employment income estimate and worked example with the contract or source you will rely on. Fees, tax year, currency, and payment timing can change the final decision.

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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. 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. 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. 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.