UK income tax calculator
Earned income, the personal allowance, then the 20%, 40%, and 45% bands. Scotland has its own bands, and this page doesn’t use them. Dividends and savings income are left out too.
Result
Personal allowance
£12,570.00
Taxable income
£37,430.00
Income tax
£7,486.00
Tax as a share of income
14.97%
England, Wales, and Northern Ireland. Not Scotland, and not dividend or savings income.
Here’s one
£50,000 of earned income
On £50,000 the personal allowance is £12,570, so £37,430 is taxed. That’s still inside the 20% band, which runs to £37,700 of taxable income. Go higher and 40% starts. Go past £100,000 and the allowance itself starts shrinking.
How it works
The allowance starts at £12,570. Above £100,000 it falls by £1 for every £2 you earn, and it’s gone at £125,140. What’s left is taxed at 20% up to £37,700, 40% up to £125,140, and 45% after that.
Where this comes from
These are the main rates for England, Wales, and Northern Ireland for 2026 to 2027. Scotland sets its own bands. Dividends and savings income are not in this.
Good for
A rough tax figure on earned income outside Scotland. Not a PAYE code.
If you’re wondering
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Don’t file a return from this