Income Tax calculator
Work out the Income Tax on your pay this tax year, band by band.
2026 to 2027 rates from HMRC, checked 13 November 2026. Tested against HMRC's own estimator.
Result
On £30,000 a year, you pay £3,484.20 Income Tax a year.
Income Tax a year, 2026 to 2027
| Item | A year | A month |
|---|---|---|
| Pay before tax | £30,000.00 | £2,500.00 |
| Income Tax | −£3,484.20 | −£290.35 |
| National Insurance | −£1,394.40 | −£116.20 |
| Take-home pay | £25,121.40 | £2,093.45 |
- Take-home £25,121.40 (84%)
- Income Tax £3,484.20 (12%)
- National Insurance £1,394.40 (5%)
That is £483.10 a week. Tax code 1257L, paying tax in England, Wales or Northern Ireland. Of a £1,000 pay rise you would keep £720.00, so 28% goes in deductions.
Show the workings
| Step | Sum | Answer |
|---|---|---|
| Tax-free pay from tax code 1257L | £12,570.00 allowance, which code 1257L covers up to £12,579.00 | £12,579.00 |
| Taxable pay | £30,000.00 − £12,579.00 | £17,421.00 |
| Basic rate | £17,421.00 × 20% | £3,484.20 |
| National Insurance | £17,430.00 above £12,570.00 × 8% | £1,394.40 |
| Take-home pay | £30,000.00 − £3,484.20 tax − £1,394.40 National Insurance | £25,121.40 |
What this leaves out or assumes
- England, Wales and Northern Ireland Income Tax rates, a standard Personal Allowance and National Insurance category A.
- Tax-free pay follows the tax code, as payroll and HMRC's own take-home pay estimator do: code 1257L gives £12,579 a year, not £12,570, which is up to a few pounds less tax.
- Worked out over the whole tax year. Payroll works out each payday on its own, so a monthly or weekly payslip can differ by a few pence, or by more in a month with a bonus.
Where the figures come from
- Personal Allowance, 2026 to 2027: £12,570 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Range of allowances each tax code number covers: £10. Source: HMRC PAYE Manual PAYE11065: suffix codes, calculating the number. Checked 13 November 2026.
- Basic rate of Income Tax (England, Wales and Northern Ireland): 20%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Basic rate band: taxable income it covers (England, Wales and Northern Ireland): £37,700 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Higher rate of Income Tax (England, Wales and Northern Ireland): 40%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Taxable income above which the additional rate applies (England, Wales and Northern Ireland): £125,140 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Additional rate of Income Tax (England, Wales and Northern Ireland): 45%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- National Insurance primary threshold: £12,570 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- National Insurance upper earnings limit: £50,270 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Employee National Insurance between the primary threshold and upper earnings limit (category A): 8%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Employee National Insurance above the upper earnings limit (category A): 2%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
Income Tax rates and bands 2026 to 2027
| Band | Pay | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Source: GOV.UK Income Tax rates and Personal Allowances. Scotland has its own bands: see the Scotland calculator.
Income Tax on common salaries
| Salary | Income Tax a year | A month |
|---|---|---|
| £20,000 | £1,484.20 | £123.68 |
| £30,000 | £3,484.20 | £290.35 |
| £40,000 | £5,484.20 | £457.02 |
| £50,000 | £7,484.20 | £623.68 |
| £60,000 | £11,428.40 | £952.37 |
| £80,000 | £19,428.40 | £1,619.03 |
| £100,000 | £27,428.40 | £2,285.70 |
| £125,000 | £42,428.40 | £3,535.70 |
| £150,000 | £53,703.00 | £4,475.25 |
Your tax code
Payroll works out your tax from your tax code. The standard code, 1257L, means £12,570 of tax-free pay a year. Each code number covers a £10 range, and HMRC's own estimator, like payroll, gives the top of it: £12,579 for 1257L (HMRC's PAYE manual). That is why our answers, like HMRC's, can be a few pounds lower than a plain sum.
Your code can be different if you have benefits such as a company car, owe tax from an earlier year, or have more than one job. GOV.UK explains tax codes.