Free tool · 2026/27

Income tax calculator UK 2026/27

Find out how much Income Tax you will pay on your salary, profits, pension or rental income for 2026/27, band by band. Then let our Chartered Certified Accountants file your Self Assessment from £150, VAT included.

  • Every tax band shown
  • £100,000 taper included
  • Works for any income type
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Free calculator
Free no sign-up needed
  • Updated for 2026/27
  • Instant, private estimate
  • Accountant review available
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Estimate your Income Tax

Uses 2026/27 rates. Nothing is stored or sent.

Please enable JavaScript to use this calculator, or call 0161 531 4179.

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Who it’s for

Who this calculator is for

Anyone paying UK Income Tax.

👩‍💼

Employees

Check the tax on your salary.

🧑‍🔧

Self-employed

Tax on your trading profit.

🏠

Landlords

Add rental profit to your income.

👵

Pensioners

State and private pensions.

Packages & prices

Want us to file it for you?

Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.

Starter
Straightforward returns and simple sole traders.
£150
per year · incl. VAT
  • Self Assessment tax return
  • Tax calculation explained
  • Online filing with HMRC
  • Deadline reminders
Start my return
Most popular
Growth
Self-employed, landlords, directors or several income sources.
£250
per year · incl. VAT
  • Everything in Starter
  • Self-employment or rental schedules
  • Expense and allowance review
  • Payments on account planning
Start my return
Complete
Bookkeeping, MTD, several properties, crypto or foreign income.
Quote
fixed fee
  • Everything in Growth
  • Capital gains and crypto
  • Foreign income and relief
  • Making Tax Digital support
Request a quote

All prices include VAT.

What’s included

What the calculator works out

Rates for England, Wales and Northern Ireland.

  • Your Personal Allowance, including the taper
  • Tax at 20% in the basic rate band
  • Tax at 40% in the higher rate band
  • Tax at 45% above £125,140
  • Pension contributions taken before tax
  • Your effective tax rate
How it works

A seamless, fully online process

Enter your income

Total taxable income for the year.

Add pension contributions

Those taken before tax.

See each band

Tax at 20%, 40% and 45%.

Get it filed

We prepare your return.

Rates used

Income Tax rates 2026/27

BandTaxable incomeRate
Personal AllowanceUp to £12,5700%
Basic rate£12,571 to £50,27020%
Higher rate£50,271 to £125,14040%
Additional rateOver £125,14045%

How is Income Tax calculated in the UK?

In short: the first £12,570 is tax-free. The next £37,700 is taxed at 20%, income up to £125,140 at 40% and anything above at 45%. Your allowance falls by £1 for every £2 of income over £100,000.

How much tax will I pay on £50,000?

£50,000 minus the £12,570 allowance leaves £37,430, all in the basic rate band. Income Tax is £7,486. National Insurance is extra; use our National Insurance calculator or salary after tax calculator.

The £100,000 trap

Between £100,000 and £125,140 the lost allowance creates an effective 60% rate. Pension contributions can bring income back below £100,000. Our high earner tax returns service models this, and our Self Assessment tax returns service files your return. More on our tax calculators page.

Official guidance: Income Tax rates and Personal Allowances

Calculating UK income tax for 2026/27
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Why clients choose Wingate

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Transparent fixed fees

Transparent pricing, confirmed in writing before any work begins. No hourly charges and no surprises.

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Client reviews

Trusted by clients across the UK

★★★★★

“My sole trader tax return was completed quickly and accurately. They even highlighted allowable expenses I hadn’t considered.”

Sole trader client · Trustpilot
★★★★★

“As a sole trader, I found tax returns confusing, but Wingate made it simple and stress free.”

Sole trader client · Trustpilot
★★★★★

“Wingate have processed my tax returns for some years now & I am more than happy with service provided.”

Long-standing tax return client · Trustpilot

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FAQs

Frequently asked questions

How much tax will I pay on £50,000?
£7,486 of Income Tax in 2026/27, plus National Insurance if employed or self-employed.
What is the Personal Allowance for 2026/27?
£12,570, reduced by £1 for every £2 of income over £100,000.
Does this work for Scotland?
Scotland has different bands, so treat the result as a guide only.
Can I use it as a Self Assessment calculator?
Yes for Income Tax. Our Self Assessment calculator also adds Class 4 National Insurance.
Is National Insurance included?
No. Use our National Insurance or salary after tax calculator.
Can you file my tax return?
Yes, from £150, VAT included.

Let us file your tax return

Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.

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★★★★★ Client reviewsWhat our clients say

Real reviews from the self-employed, landlords, company directors and families we help with their tax returns and accounts.

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Wingate Accountants Ltd is an independent firm of Chartered Certified Accountants, providing tax and compliance services to individuals and businesses across the UK.

✔ HMRC Registered Tax Agent
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