PAYE Calculator United Kingdom 2026/27 (HMRC rates)
Enter a monthly or annual gross salary in GBP and see the income tax, the take-home pay and how each band applies under the 2026/27 (England, Wales, NI) rates.
- Free
- No sign-up
- Nothing uploaded
- Updated for 2026
- Last reviewed October 2026
- Reviewed by the Owoode team
- £ GBP
- VAT 20%
- VAT number
- A4
- English
Rates: 2026/27 (England, Wales, NI). Personal allowance £12,570, tapered away above £100,000 (not modelled). Employee National Insurance at 8% between £12,570 and £50,270 and 2% above is separate; Scotland has different bands.
Monthly take-home pay
£1,885.50
£209.50 tax deducted · 10% effective rate · 20% marginal rate · £22,626.00 a year
- Monthly take-home pay£1,885.5090%
- Tax£209.5010%
- Gross annual income
- £25,140.00
- Taxable income
- £25,140.00
- Annual income tax
- £2,514.00
- Monthly income tax
- £209.50
How the bands apply
| Band | Taxed | Rate | Tax |
|---|---|---|---|
| First £12,570.00 | £12,570.00 | 0% | £0.00 |
| Next £37,700.00 | £12,570.00 | 20% | £2,514.00 |
Source: HMRC rates 2026/27 (unchanged from 2025/26).
How employee tax is withheld
For 2026 to 2027 the personal allowance is £12,570 and the bands are 20% up to £50,270, 40% up to £125,140 and 45% above. The allowance tapers by £1 for every £2 of income above £100,000 and reaches nil at £125,140.
Scotland sets its own bands for non-savings income. For 2026 to 2027 the starter rate is 19% on £12,571 to £16,537 and the basic rate is 20% on £16,538 to £29,526, with higher bands above. Employees in Wales and Northern Ireland follow the England bands.
Employers send the PAYE bill to HMRC by the 22nd of the next tax month if they pay monthly, or by the 22nd after the end of the quarter if they pay quarterly. Cheques sent by post must reach HMRC by the 19th.
Employee National Insurance is a separate deduction under its own weekly thresholds and is listed on the payslip next to tax.