Budget 2026Estimate, not advice
I built this to answer one question: how will the 28 October 2026 Budget affect my take home pay? Enter your salary to see 2026/27 take home pay under the current rules next to the figures after the Budget. Nothing you type leaves your browser.
| 2026/27 | Current rules | After the Budget |
|---|
Assumes an employee on PAYE with a standard tax code, paid the same each month for the whole tax year.
Put your salary into the calculator. The left column uses the confirmed 2026/27 rules and the right column uses the Budget figures. The difference shows what you gain or lose a year and a month.
The Chancellor delivers the Budget on Wednesday 28 October 2026. I add the announced rates to this calculator the same day.
Until the Budget is announced, the after the Budget column uses the same rules as now. Once the new thresholds and rates are in, the difference shows the effect on you.
Usually not. Most Income Tax and National Insurance changes start on 6 April, the start of a new tax year. I show the date each change starts under the column heading.
For 2026/27: a Personal Allowance of £12,570, basic rate 20% to £50,270, higher rate 40% to £125,140 and additional rate 45% above that. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above. Scotland has its own Income Tax bands.
No. It is an estimate for an employee paid through PAYE with a standard tax code. Your payslip and HMRC's own figures are the final word.