UK Tax Calculator 2027-2028
For England, Wales and Northern Ireland, the currently legislated Income Tax framework keeps the Personal Allowance at £12,570, the basic-rate limit at £37,700, and therefore the higher-rate threshold at £50,270 through 2027/28.
| Tax band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | £0 – £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Important: Don’t use the 2026/27-style “10% Starter Rate” shown in the earlier Wales image. For a normal UK calculator, the effective rates for England, Wales and Northern Ireland are 20%, 40% and 45%. Wales currently achieves the same overall rates because the Welsh Government has been setting its Welsh rates at 10p in each band.
Personal Allowance taper
For income above £100,000, the Personal Allowance is reduced by £1 for every £2 of adjusted net income above £100,000.
At £125,140, the standard Personal Allowance becomes £0.
That means someone earning £125,140 or more can effectively face a 60% marginal Income Tax rate on the portion between £100,000 and £125,140, before considering National Insurance or other deductions.
Example calculations
£30,000 salary
- Personal Allowance: £12,570
- Taxable income: £17,430
- Income Tax: £3,486
- Income after Income Tax: £26,514
£40,000 salary
- Personal Allowance: £12,570
- Taxable income: £27,430
- Income Tax: £5,486
- Income after Income Tax: £34,514
£50,000 salary
- Taxable income: £37,430
- Income Tax: £7,486
- Income after Income Tax: £42,514
£60,000 salary
- £37,700 × 20% = £7,540
- £9,730 × 40% = £3,892
- Total Income Tax = £11,432
- Income after Income Tax = £48,568
£100,000 salary
- £37,700 × 20% = £7,540
- £49,730 × 40% = £19,892
- Total Income Tax = £27,432
- Income after Income Tax = £72,568
These examples are Income Tax only; a complete take-home-pay calculator should separately calculate employee National Insurance, pension contributions, student loans and other applicable deductions.
Wales section
For Welsh taxpayers, the Welsh Government currently has the ability to set three Welsh rates—basic, higher and additional. Welsh rates have so far been set at 10p in each band, resulting in the same overall Income Tax rates as England and Northern Ireland.
So your calculator should have:
Location
- England
- Wales
- Northern Ireland
- Scotland
and not simply label Wales as “English tax rates.” Instead, explain that Welsh Income Tax is administered through the Welsh Rates of Income Tax system.
Recommended calculator inputs
For your BritTaxCalc page, I’d include:
- Annual salary
- Pay frequency
- Tax region
- Tax code
- Personal Allowance
- Bonus
- Pension contribution
- Student loan plan
- Postgraduate loan
- Benefits in kind
- Other taxable income
- Salary sacrifice
- National Insurance
- Take-home pay
- Monthly / weekly / yearly breakdown
For the 2027/28 version, I’d also put a prominent “2027/28 rates and thresholds” label and avoid presenting future figures as confirmed where HMRC has not yet legislated them.
Official HMRC Income Tax guidance
If you want, I can also create the full SEO-ready 2027/28 UK Tax Calculator article/page content for that WordPress post, including H1, meta title, meta description, calculator explanation, tables, FAQs, examples, England/Wales/Scotland comparison, and schema-friendly FAQ wording.
