Income Tax Calculator
Estimate income tax and take-home pay for supported countries.
Before tax, NI and student loan. 2026/27 tax year.
Are you over State Pension age?
Do you know your tax code?
Do you pay Scottish Income Tax?
Uses England, Wales & Northern Ireland 2026/27 rates.
Do you pay pension contributions?
You’re not repaying a Plan 1, 2, 4 or 5 student loan.
How to tell which plan you’re on
You cannot choose your plan. Check your Student Finance online account if you’re unsure. If you have more than one loan, you could be on different plans.
Student Finance England: before 1 Sep 2012 → Plan 1. 1 Sep 2012–31 Jul 2023 undergraduate/PGCE → Plan 2. From 1 Aug 2023 undergraduate/PGCE/Advanced Learner Loan → Plan 5. Master’s or doctoral → Postgraduate Loan plan (tick below). Short Course Loan from Aug 2023 → Plan 2.
Student Finance Wales: before 1 Sep 2012 → Plan 1. From 1 Sep 2012 undergraduate/PGCE → Plan 2; master’s/doctoral → Postgraduate Loan plan.
SAAS (Scotland): Plan 4 for undergraduate or postgraduate.
Student Finance Northern Ireland: Plan 1 for undergraduate or postgraduate.
Are you also repaying a Postgraduate Loan?
Estimated take-home pay
£35,919.60
Effective deduction rate 20.18%
Income tax
£6,486.00
National Insurance
£2,594.40
Student loan
£0.00
Take-home pay
£35,919.60
Standard personal allowance £12,570.
Approximate only for planning — not a payslip or tax advice. Does not model every tax code variation, marriage allowance, Blind Person’s Allowance, or unusual payroll setups.
In-depth explanation
Estimate income tax and take-home pay using simplified UK (England, Wales & NI) 2026/27 bands or US 2026 federal brackets. Real deductions vary with NI/Social Security, pensions, student loans, and other factors — use this as a planning estimate only. Everything runs locally in your browser — your inputs are not uploaded to produce the result.
UK estimates include a simplified NI-style deduction where modelled. Exact contributions depend on your employment type and thresholds. Payslips can include pensions, student loans, benefits, and different tax codes. This tool uses simplified standard assumptions.
It is an educational estimate. Check HMRC, IRS, or a qualified adviser for personal tax matters. Use Income Tax Calculator for quick planning; confirm important money, tax, or health decisions with an official source or professional when needed.
Frequently asked questions
Related tools
Explore similar utilities you might find useful next.