Prices are up 29.8% since April 2021 while the £12,570 personal allowance has not moved once.
Reference notes for the UK tax year 2026/27, computed from HMRC's published rates rather than copied from another site.
Fiscal drag is a tax rise that is never announced. Thresholds stay still, wages rise with inflation, and more of every pay packet falls into higher bands.
The personal allowance has been frozen at £12,570 since April 2021 and is frozen until 2028. Had it tracked CPI it would now be about £16,315.
That difference, roughly £3,745, is income that used to be tax-free and now is not.
The same freeze applies to the £50,270 higher-rate threshold, which is why the number of higher-rate taxpayers has grown so fast without any rate changing.
Source for the price index is ONS CPI series D7BT, July 2026. Your own experience of inflation may differ from the national basket.
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Full deduction breakdowns, computed on 2026/27 rates:
| Salary | Take-home a year | Take-home a month |
|---|---|---|
| £90,000 after tax | £62,757.40 | £5,229.78 |
| £100,000 after tax | £68,557.40 | £5,713.12 |
| £110,000 after tax | £72,357.40 | £6,029.78 |
| £120,000 after tax | £76,157.40 | £6,346.45 |
- Pay rise calculator — what a rise is worth against the freeze
- Income tax calculator — the tax you pay on today's thresholds
- Salary percentile calculator — where your salary sits in the distribution
- UK tax rates and thresholds 2026/27 — every band and threshold on one page
- Take-home pay statistics — effective and marginal rates from £20,000 to £200,000, free to cite
- How the calculator works — the order of calculation and the source for every rate
- rates.json — the same figures as machine-readable JSON, no key required
Full index: UK Tax & Take-Home Pay Guide — twelve guides, twelve worked salary examples and a reference table covering the whole UK system.
Figures are for the 2026/27 tax year, which runs 6 April 2026 to 5 April 2027, and were checked against gov.uk on 28 August 2026.
Rates change every April, and often at a Budget. Check the tax year a figure belongs to before relying on it.
Found a wrong number? Open an issue with the figure and a gov.uk link. Tax errors are worth fixing quickly.
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