UK tax estimator
Estimate UK income tax, National Insurance and your effective rate from your salary. Shows the calculation, not just the answer. Private and free.
Open the uk tax estimator →Estimate your UK tax
Runs in your browser. Nothing is sent anywhere, and there is nothing to sign up to.
| Income tax | — |
|---|---|
| National Insurance | — |
| Total deductions | — |
| Take-home a year | — |
| Effective rate | — |
Figures reviewed: July 2026, for the 2026/27 tax year. Thresholds change every April — if you are reading this later, check gov.uk/income-tax-rates.
How it works
Enter your salary and see estimated income tax, National Insurance, take-home pay and your effective rate — with the bands shown, so you can check the working rather than trusting a black box.
Palarid runs entirely in your browser. There is no account, no adverts on this page, and no server copy of anything you enter. You can export everything as JSON at any time.
Common questions
Is this an official HMRC calculation?
No. It is an estimate for planning. It does not know your tax code, benefits in kind or other income. Check it against your payslip or HMRC before acting on it. Palarid is not a tax adviser and this is not tax advice.
Which rates and thresholds does it use?
For the 2026/27 tax year: a personal allowance of £12,570, basic rate 20% on the first £37,700 of taxable income, higher rate 40%, and additional rate 45% above £125,140. National Insurance is 8% between £12,570 and £50,270 and 2% above. Thresholds change each April — check gov.uk if you are reading this in a later tax year.
Does it handle Scottish rates?
Yes. Selecting Scotland applies all six Scottish bands: starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%. National Insurance is the same across the UK.
Does it apply the personal allowance taper above £100,000?
Yes. The allowance falls by £1 for every £2 earned above £100,000 and reaches zero at £125,140, which produces an effective marginal rate of 60% in that range. See the take-home pay calculator for a full explanation of that band.
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