Income tax
Tools for working out what you owe and whether your payslip has it right. They use the 2026/27 rates from GOV.UK and the Scottish Government.
- Tax code checkerWhat 1257L, BR, 0T, K codes and W1/M1 mean, and whether yours looks right.
- Scottish income tax calculatorTake-home pay with all six Scottish bands for 2026/27.
- Northern Ireland take-home payNet pay in NI after tax, NI, pension and student loan.
- £100k tax trap calculatorAdjusted net income, the lost allowance and the pension that wins it back.
- CGT on property calculatorCapital Gains Tax when you sell a second home or buy-to-let.
Rates for 2026/27
| Personal allowance | £12,570 |
|---|---|
| Basic rate (England, Wales, NI) | 20% to £50,270 |
| Higher rate | 40% to £125,140 |
| Additional rate | 45% above £125,140 |
| Scottish rates | 19%, 20%, 21%, 42%, 45%, 48% |
| Allowance taper | £1 lost per £2 over £100,000 |
| CGT annual exempt amount | £3,000 |
| CGT rates | 18% and 24% |
Every figure is listed with its official source on the how we calculate page.