Rates verified on 2026-10-15
Estimates only
England & Northern Ireland take-home pay calculator
Tax year 2026
Your result will appear here
Tax year 2026-27
How England & NI take-home pay is calculated (2026–27)
An England or Northern Ireland paycheck is Income Tax after the Personal Allowance, plus Class 1 employee National Insurance, with optional student loan and net-pay pension. For 2026 to 2027 the Personal Allowance stays £12,570, basic rate is 20% on the first £37,700 of taxable income, higher rate 40% to £125,140, and additional rate 45% above that — the same frozen England/NI/Wales table HMRC publishes for PAYE.
What shapes an England & NI paycheck
- Personal Allowance is £12,570 and tapers by £1 for every £2 of income above £100,000, so it reaches zero by £125,140 of income.
- England and Northern Ireland share the three-band non-savings table with Wales; Scotland uses a separate six-band schedule on the Scotland page.
- Class 1 NI (category A) is 8% between the primary threshold (£12,570) and upper earnings limit (£50,270), then 2% above — independent of which UK nation sets your Income Tax.
- Student loan plans 1, 2, 4, 5 and postgraduate use HMRC employer thresholds; this calculator models one plan at a time.
How we count England & NI take-home
- Income Tax: England & NI bands from the verified UK-2026-27 national file after Personal Allowance (with taper).
- Class 1 employee NI: primary threshold, UEL, and 8% / 2% rates from the same national file.
- Optional net-pay pension reduces taxable pay before Income Tax.
- Optional student loan: threshold × rate for the plan you select.
- Not modeled: Marriage Allowance, Blind Person’s Allowance, dividends, savings starting rate, employer NI.
Full United Kingdom methodology · Bracket tables · Engine & privacy
Sources & status
VerifiedPrimary sources below, grouped by layer. Oldest verification on this page: 2026-10-15.
Federal
- GOV.UK Income Tax rates and allowances current and past →verified 2026-10-15
- GOV.UK rates and thresholds for employers 2026 to 2027 →verified 2026-10-15
- GOV.UK student loan repayment guidance for employers →verified 2026-10-15
State
England & Northern Ireland tax brackets (2026-27)
England & Northern Ireland income tax bands
| From | To | Rate |
|---|---|---|
| £0.00 | £37,700.00 | 20.00% |
| £37,700.00 | £125,140.00 | 40.00% |
| £125,140.00 | and above | 45.00% |
Wales income tax bands
| From | To | Rate |
|---|---|---|
| £0.00 | £37,700.00 | 20.00% |
| £37,700.00 | £125,140.00 | 40.00% |
| £125,140.00 | and above | 45.00% |
Worked examples (England & Northern Ireland, annual, default assumptions)
| Gross | Net | Effective |
|---|---|---|
| £30,000.00 | £25,119.60 | 16.3% |
| £50,000.00 | £39,519.60 | 21.0% |
| £80,000.00 | £56,957.40 | 28.8% |
Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status.
Frequently asked questions
- Is this the same as my PAYE tax code?
- We estimate annual liability from the published bands and Personal Allowance, then split by pay frequency. Real PAYE uses your tax code (for example 1257L), cumulative tables, and employer software. Use this as a line-by-line check, not a substitute for your payslip.
- Does England tax differ from Wales?
- For 2026 to 2027 HMRC publishes the same basic / higher / additional rates for England, Northern Ireland, and Wales. Scotland is different — open the Scotland take-home page for those bands.
- Why does NI still apply above £50,270?
- Above the upper earnings limit, employee Class 1 contributions continue at 2% on the balance. The 8% slice only runs between the primary threshold and the UEL.
- What happens above £100,000?
- Personal Allowance shrinks by £1 for every £2 of income over £100,000. That raises taxable income even before you hit the additional rate, so effective tax climbs faster in that zone.
Useful links
Official England & Northern Ireland tax agencies and the primary sources behind the rates on this page.
- GOV.UK — Income Tax rates and allowances →
Personal Allowance and England/NI/Wales bands
- GOV.UK — Rates and thresholds for employers 2026 to 2027 →
PAYE bands, Class 1 NI, student loan thresholds
- GOV.UK — National Insurance rates and categories →
Employee Class 1 category letters
- GOV.UK — Tax codes →
How PAYE codes map to allowances
- Counttaxes — UK methodology →
What we include and leave out
- Scotland take-home (different bands) →
Compare the same salary under Scottish Income Tax