Income Tax Calculator • UK PAYE Estimate • Tax Accountant Exeter
Income Tax Calculator
Use this UK Income Tax Calculator to estimate Income Tax on hourly wages or regular gross employment income for the current tax year and previous four tax years. Choose monthly, fortnightly, weekly or annual pay, enter the employment dates, add one-off taxable pay and P11D benefits, and review an estimated liability for England, Wales and Northern Ireland.
This calculator estimates annual Income Tax only. It does not reproduce PAYE payroll calculations and does not include National Insurance, student loans, pension deductions, dividend or savings tax, Scottish Income Tax, tax-code adjustments or HMRC payroll corrections.
Rates reviewed: 30 July 2026
Calculate your Income Tax
Income Tax Calculator
Enter the regular pay basis, employment dates, one-off taxable pay, P11D benefits and tax already deducted. The result applies annual Income Tax bands rather than payroll tax-code tables.
How the calculator works
What this calculator estimates
This calculator converts the regular gross pay or hourly wage into an annual equivalent and apportions that amount across the calendar days employed in the selected tax year. It then adds one-off taxable pay and P11D benefits.
The standard Personal Allowance and its reduction above £100,000 are then applied, followed by the basic, higher and additional Income Tax bands for England, Wales and Northern Ireland. The Personal Allowance is not prorated merely because employment covered only part of the year.
This calculator does not include
- National Insurance contributions.
- Student loan deductions.
- Pension contributions or salary sacrifice.
- Marriage Allowance.
- Scottish income tax bands.
- Dividend, savings or property income tax.
- PAYE tax-code adjustments, Week 1 or Month 1 operation.
- Earlier employment, pension or benefits not entered.
- HMRC coding notices or in-year payroll corrections.
- Payments on account or Self Assessment balancing payments.
Current-year reference
Income Tax rates used for 2026/27
The calculator uses the selected year. For 2026/27, the standard Personal Allowance remains £12,570, the taxable basic-rate band is £37,700, and the higher-rate limit is £125,140.
£12,570
Reduced by £1 for each £2 of adjusted net income above £100,000 and normally nil from £125,140.
20%
Applied to the first £37,700 of taxable non-savings income after allowances.
40%
Applied above the basic-rate band and up to total income of £125,140 where the standard allowance is available.
45%
Applied to taxable non-savings income above the additional-rate threshold.
When to ask for help
Ask us to check the result if your tax position is not straightforward
An online calculator is useful for a quick estimate, but some tax positions need proper review before a tax return is filed or HMRC is contacted.
You have more than one job
Your tax code may not give the correct result if income is split between employments.
You earned over £100,000
Your Personal Allowance may be reduced, which can make the effective tax rate higher.
You changed jobs mid-year
P45, P60 and cumulative PAYE figures may need to be checked.
You have taxable benefits
P11D benefits, payrolled benefits, company cars, medical insurance and the cash-equivalent value may affect the result.
You need a tax return
PAYE, Self Assessment, National Insurance and other income can produce a different final liability.
HMRC says you owe tax
We can check HMRC’s calculation and explain whether it looks correct.
Need help with your tax?
We can review your payslip, P60, P11D or HMRC calculation
If you are not sure whether your tax code, payslip, P60, P11D or HMRC calculation is correct, contact us. We can review the figures and explain the tax position in plain English.
Useful if you need help with
- PAYE underpayment letters.
- P60, P45 and P11D reviews.
- Taxable benefits and company benefits.
- Self Assessment tax returns.
- High income and Personal Allowance taper.
- HMRC tax code issues.
Common questions
Income Tax Calculator FAQs
Does this calculator include National Insurance?
No. This calculator estimates Income Tax only. National Insurance uses different rules and thresholds.
Does this calculator include P11D benefits?
Yes. You can enter the total taxable benefits figure from your P11D or employer records.
Does this calculator work for Scotland?
No. This calculator uses England, Wales and Northern Ireland income tax rates. Scotland has separate income tax bands and rates.
Why does the calculator ask for employment dates?
The dates are used to apportion the annual equivalent of regular pay across the calendar days employed in the selected tax year. Actual payroll can differ because PAYE works by pay period and tax code.
Can I use this for my tax return?
You can use it as an initial guide, but the return must use the actual taxable pay, benefits, tax deducted and all other taxable income. National Insurance, student loans, other reliefs and Self Assessment adjustments are outside this calculator.
Are the monthly and weekly figures my expected PAYE deductions?
No. They are simple averages of the estimated annual Income Tax across the period employed. Payroll deductions depend on pay dates, tax code, cumulative basis, earlier pay and tax, and the payroll software calculation.
How should I enter a bonus or commission payment?
Enter regular salary or wages in the main pay fields and enter a one-off taxable bonus, commission or overtime payment separately so it is not annualised.