United Kingdom tax calculator 2026/27

Plot's free United Kingdom tax calculator works out your income tax and National Insurance for the 2026/27 tax year in plain English. Enter your salary, self-employment profit and rental income, and see exactly what you owe and what you keep — no sign-up, no jargon.

How it works

1. Enter any salary or pension income — this sets your tax band.
2. Add your self-employment profit and any rental income.
3. See your income tax, National Insurance and take-home pay, plus the reliefs you might be missing.

Key 2026/27 figures

• Personal allowance: £12,570, reduced by £1 for every £2 earned over £100,000 and gone by £125,140.
• Basic rate 20% up to £50,270, higher rate 40%, additional rate 45% above £125,140.
• Class 4 National Insurance: 6% on profits up to £50,270, then 2% above.
• Trading and property allowances: £1,000 each, tax-free.
• Making Tax Digital for Income Tax begins in April 2026 for income over £50,000.

Frequently asked questions

How much tax will I pay if I'm self-employed in the UK?

You pay income tax on your profit at 20%, 40% or 45% depending on your total income, after the £12,570 personal allowance, plus Class 4 National Insurance at 6% on profits up to £50,270 and 2% above. Plot estimates all of this from your figures.

What is the personal allowance for 2026/27?

£12,570. It is reduced by £1 for every £2 you earn over £100,000 and disappears entirely at £125,140.

When do I have to use Making Tax Digital?

From April 2026 if your self-employment or property income is over £50,000, from April 2027 if it is over £30,000, and from April 2028 if it is over £20,000.

Can landlords still deduct mortgage interest?

Not as a full expense. Since 2020 you instead receive a 20% basic-rate tax credit on finance costs (Section 24), which Plot accounts for.

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