UK Salary Calculator Updated for 2026/27 Tax Year
By calculatemysalary.co.uk Editorial Team
We've updated the calculator with HMRC's confirmed rates and thresholds for 2026/27. Here's what changed.
We've updated the calculator for the 2026/27 tax year (6 April 2026 to 5 April 2027). You can also switch back to 2025/26 using the tax year selector under Adjust Assumptions if you want to compare.
Not a huge amount changed this year, honestly. Most of the headline rates and bands in England, Wales and Northern Ireland are frozen. But there are a couple of things worth knowing about.
Student loan thresholds
Two plans got higher repayment thresholds. The rest stayed put.
| Plan | 2025/26 | 2026/27 | Change |
|---|---|---|---|
| Plan 1 | £26,065 | £26,900 | +£835 |
| Plan 2 | £29,385 | £29,385 | No change |
| Plan 4 | £32,745 | £33,795 | +£1,050 |
| Plan 5 | £25,000 | £25,000 | No change |
| Postgraduate | £21,000 | £21,000 | No change |
If you're on Plan 1 or Plan 4, you'll repay slightly less each month on the same salary. Plan 2 already went up last year (from £28,470 to £29,385), so that one's unchanged this time around.
Scottish tax bands
Scotland kept all six rates the same (19%, 20%, 21%, 42%, 45%, 48%) but widened the starter and basic rate bands by about 7.4%, well above inflation. In practice, more of your income gets taxed at 19% and 20% before you hit the intermediate rate.
| Band | 2025/26 | 2026/27 |
|---|---|---|
| Starter (19%) | £12,571 – £15,397 | £12,571 – £16,537 |
| Basic (20%) | £15,398 – £27,491 | £16,538 – £29,526 |
| Intermediate (21%) | £27,492 – £43,662 | £29,527 – £43,662 |
| Higher (42%) | £43,663 – £75,000 | £43,663 – £75,000 |
| Advanced (45%) | £75,001 – £125,140 | £75,001 – £125,140 |
| Top (48%) | Over £125,140 | Over £125,140 |
On a £30,000 salary in Scotland, that's roughly £32 less income tax than last year. Above £43,662, nothing changes -- the upper bands are frozen.
Everything else
The personal allowance is still £12,570, frozen until at least 2028. English, Welsh and Northern Irish income tax bands haven't moved. National Insurance is still 8% between £12,570 and £50,270, then 2% above that. Pension qualifying earnings: £6,240 to £50,270.
The personal allowance freeze is the one that quietly catches people out. Your pay goes up, your tax goes up, even though the rates look the same on paper. It's been like this since 2021 and there's no sign of it ending soon.
Tax year selector
We've added a tax year picker under Adjust Assumptions > General > Tax Year, so you can compare your 2025/26 and 2026/27 take-home side by side.