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Income Tax Rates and Bands 2026 To 2027
For the 2026 to 2027 tax year (6 April 2026 to 5 April 2027), outside Scotland, the Personal Allowance is £12,570. Income from £12,571 to £50,270 is taxed at 20%, £50,271 to £125,140 at 40%, and over £125,140 at 45%. Your Personal Allowance goes down by £1 for every £2 of income over £100,000. Scotland has different bands.
At A Glance
Your Rights
What the rules say, with a link to the official source for each.
The Bands
Bands 2026 to 2027
Personal Allowance: up to £12,570 at 0%. Basic rate: £12,571 to £50,270 at 20%. Higher rate: £50,271 to £125,140 at 40%. Additional rate: over £125,140 at 45%. These apply outside Scotland. source
The £100,000 Taper
Your Personal Allowance is reduced by £1 for every £2 of adjusted net income above £100,000, so it is zero at £125,140. source
Time Limits to Know
Miss a deadline and you can lose a right. Check the dates on your own paperwork.
- 5 April 2027End of the tax yearThe year started 6 April 2026
Steps to Take
Step 1 of 5
Check your tax code in your personal tax account.
Step 2 of 5
Add up income from all jobs and pensions.
Step 3 of 5
Check whether the £100,000 taper affects you.
Step 4 of 5
Look at pension contributions or Gift Aid, which can lower adjusted net income.
Step 5 of 5
Contact HMRC if your code looks wrong.
(Tap the numbers to reveal steps)
Where to Go If It Is Not Put Right
Your options, in order, and when each one applies.
Your Personal Tax Account
Sign in on GOV.UK to check your tax code, income and letters.
HMRC
Contact HMRC through your personal tax account, the HMRC app or the phone and post details on GOV.UK.
Good to Know
Small things that make your complaint stronger.
Scotland sets its own Income Tax rates and bands for earnings, so check the Scottish rates if you live there.
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Lead reviewer
Luke Marley
Founder and Lead Reviewer
Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.
Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.
Last checked: 16 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.
Sources and official links
- gov.uk/income-tax-rates Checked 16 October 2026