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Estimate 2026/27 Income Tax on salary, dividends and savings, with National Insurance, HICBC and student-loan deductions shown separately.
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The deduction rate includes modelled Income Tax, employee NI, HICBC and salary-based loan estimates. It excludes the entered pension contribution.
HICBC uses a full-year Child Benefit assumption for each child.
Source rows separate modelled Income Tax, NI, salary loan/pension deductions and resulting net; household HICBC is listed separately.
Exact source-flow amounts (£)
| Source | Gross | Modelled deductions | Net |
|---|---|---|---|
| Salary | 60,000.00 | 17,542.60 | 42,457.40 |
| Dividends | 5,000.00 | 1,608.75 | 3,391.25 |
| Savings Interest | 2,000.00 | 600.00 | 1,400.00 |
Annual salary after the entered salary sacrifice, divided across the selected UK income-tax bands.
Exact salary allocation by band (£)
| Band | Income | Rate | Tax |
|---|---|---|---|
| Personal Allowance | 12,570 | 0% | 0 |
| Basic rate (20%) | 37,700 | 20% | 7,540 |
| Higher rate (40%) | 4,730 | 40% | 1,892 |
| Total salary Income Tax | 42,430 | — | 9,432 |
Gross income by source.
| Source | Amount |
|---|---|
| Salary | £60,000.00 |
| Dividends | £5,000.00 |
| Savings Interest | £2,000.00 |
| Total gross income | £67,000.00 |
Pension contributions are shown separately from tax and other deductions.
| Item | Amount |
|---|---|
| Income Tax | £11,641 |
| National Insurance | £3,111 |
| HICBC estimate | £0 |
| PAYE student-loan estimate | £0 |
| Pension contribution | £5,000 |
| All modelled deductions including pension | £19,751 |
Valid URL values take priority field by field, followed by saved inputs when UK functional-storage consent is enabled, then the editable example. Manage consented saved UK data in Export my data.
Income not included: this annual 2026/27 illustration excludes rental income, benefits in kind, Gift Aid and other allowance adjustments.
Annualised deductions: National Insurance assumes a standard employee category and annual thresholds. Payroll-period rounding, multiple jobs or a different category may change the result. HICBC assumes full-year Child Benefit for each entered child.
Student-loan limits: repayments are annualised against salary after salary sacrifice. For 2026/27, plan thresholds and rates are Plan 1 £26,900 (9%), Plan 2 £29,385 (9%), Plan 4 £33,795 (9%), Plan 5 £25,000 (9%); the Postgraduate Loan threshold is £21,000 (6%). Check official sources and your own tax and payroll records before making a decision.
Estimate 2026/27 UK Income Tax on salary, dividends and savings interest alongside employee National Insurance, a simplified HICBC estimate and annualised salary-based student-loan deductions.
Enter annual gross salary, dividends, savings interest, salary-sacrifice pension contributions, the number of children assumed to receive full-year Child Benefit, and loan settings. The region switch applies Scotland's 2026/27 rates to salary; dividend and savings rates follow the rest of the UK. England, Wales and Northern Ireland use the same non-savings rates in this estimate.
This is an annual illustration, not a Self Assessment calculation. It excludes rental income, benefits in kind, Gift Aid, other reliefs, tax-code effects, household claim facts and student-loan repayments due on non-salary income. Student-loan amounts annualise the selected PAYE plan against salary after the entered salary sacrifice. A pension entry represents salary sacrifice only; other pension methods can have different Income Tax and National Insurance treatment.
These official sources support the UK rates and rules shown above. This estimate excludes other income and tax-return adjustments, and is not a Self Assessment calculation.