UK Income Tax Calculator
See your take-home pay in seconds — Fin works out the income tax, National Insurance and what actually lands in your pocket.
Take-home pay (a year)
£45,357
£3,780 a month
- Income tax
- £11,432
- National Insurance
- £3,211
- Total tax
- £14,643
England, Wales & Northern Ireland rates — Scotland sets its own bands. Personal allowance tapers above £100,000. Excludes student-loan repayments and the separate dividend/savings rates. Indicative only — general information, not tax advice.
UK income tax bands (2026-27)
Everyone gets a £12,570 personal allowance that is tax-free (it tapers away above £100,000). Income above the allowance is taxed at 20% up to £37,700 of taxable income, 40% to £125,140, then 45% above — plus employee National Insurance at 8% from £12,570 to £50,270 and 2% above.
| Taxable income (after allowance) | Tax rate |
|---|---|
| £0 – £37,700 | 20% |
| £37,701 – £125,140 | 40% |
| £125,141+ | 45% |
England, Wales & Northern Ireland rates, 2026-27 — Scotland sets its own bands. Bands are shown on taxable income (after the £12,570 personal allowance). General information, not tax advice.
UK income tax — common questions
What is the personal allowance in the UK?
For most people the first £12,570 of income is tax-free — the personal allowance. It is reduced by £1 for every £2 you earn over £100,000, and disappears entirely at £125,140.
How much tax do I pay on £60,000 in the UK?
On a £60,000 salary in 2026-27 you would pay about £11,432 in income tax plus £3,211 in National Insurance — roughly £14,643 in total, leaving about £45,357 take-home.
Does this include National Insurance?
Yes — employee Class 1 National Insurance is included (8% between £12,570 and £50,270, then 2% above). It excludes student-loan repayments and the separate dividend and savings rates.
Does this work for Scotland?
These are the England, Wales and Northern Ireland rates and bands. Scotland sets its own income-tax bands, so a Scottish taxpayer’s income tax differs — National Insurance is the same UK-wide.
Is this UK take-home calculator free?
Yes — completely free, no sign-up. Fin works out your income tax, National Insurance and take-home pay instantly.
Did you know?
Marks & Spencer fought a roughly 13-year legal battle, all the way to the European Court of Justice, to win back £3.5 million of VAT it had wrongly paid on chocolate teacakes since 1973.
HM Customs & Excise admitted by letter on 30 September 1994 that the teacakes were zero-rated cakes, not biscuits, but resisted a full refund on 'unjust enrichment' grounds; the ECJ finally ruled in M&S's favour in 2008 on grounds of equal treatment / fiscal neutrality.
Source: Accountancy Age - M&S feasts on £3.5m teacake windfall ↗The 1991 VAT hike from 15% to 17.5% was made mainly to help pay down Margaret Thatcher's unpopular 'poll tax'.
Chancellor Norman Lamont raised the rate, with the extra revenue used to fund a reduction in the deeply unpopular community charge; the 17.5% rate then held for 17 years, until 2008.
Source: Wikipedia - Value-added tax in the United Kingdom ↗Know your numbers all year
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