Where do my taxes go? Calculator 2026/27

Enter your pay and see how your Income Tax and National Insurance is spent, split the same way as HMRC's Annual Tax Summary. Tap any part of the chart, or any line below it, to see that area and the working behind it.

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Choose Salary and dividends if you are a company director who pays yourself partly in dividends. Dividend tax is part of Income Tax, so it is included in the split, just as it is in HMRC's summary.

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Your gross pay for the year, before Income Tax and National Insurance. Include any bonus. Your P60 or your final payslip of the tax year shows it as "pay" or "taxable pay to date".

Tailor it to you: Scottish tax
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Scotland has its own Income Tax bands on salary. Choose Scotland if your tax code starts with an S. National Insurance and dividend tax are the same across the UK.

Assumptions
  • Your tax is worked out at 2026/27 rates: Income Tax and National Insurance on salary, and dividend tax on dividends.
  • The spending split is HM Treasury's for 2024/25, the most recent published (updated 4 March 2026), and the one used in HMRC's Annual Tax Summaries. It is applied to your tax using the £ billion spent in each area, which add up exactly, rather than the rounded percentages.
  • The split is illustrative: taxes are not earmarked for particular services, and spending is also paid for by other taxes and by borrowing (a £153 billion deficit in 2024/25).
  • Covers Income Tax and National Insurance only, like HMRC's summary. VAT, Council Tax, student loan repayments and your employer's National Insurance are not included.
  • Figures are worked to the penny. Each area is rounded to the nearest penny; if the rounded areas differ from your total by a penny or two, that difference is shown as its own line so everything adds up exactly.
£6,280.40
of Income Tax and National Insurance in 2026/27
The biggest share, £1,336.80, goes on welfare. Health takes £1,313.44 and the State Pension £748.52. That is about £523.37 of tax a month in total.
Your tax£6,280.40Tap a slice to see where it goes

Tap or hover over a slice or a line to see where that part of your tax goes.

Rounding to the pennyeach area is rounded to the nearest penny; this line makes them add up to your total exactly£0.01
Your total tax£6,280.40
Show the workings

1. Your tax for 2026/27

Salary£35,000.00
Personal Allowancethe first £12,570 of income is tax-free£12,570.00
UK Income Tax on salary£22,430.00 at 20% = £4,486.00£4,486.00
National Insurance on salary8% of salary between £12,570 and £50,270 = £1,794.40£1,794.40
Your total tax£4,486.00 + £1,794.40 = £6,280.40£6,280.40

2. How it is split

Each area gets the same share of your tax as its share of public spending in 2024/25: your tax × that area's spending ÷ total spending of £1,156.2 billion. The percentages shown are HM Treasury's own, rounded to one decimal place, which is why they add up to 100.1%; the £ billion figures add up exactly, so the calculation uses those.

Calculated at sjecapital.co.uk/where-do-my-taxes-go. Spending split: HM Treasury, How public spending was calculated in your tax summary (2024/25). Illustrative, not advice. SJE Capital Limited, company no. 15837169.

See your full take-home pay in the salary calculator, or compare salary and dividends in the director take-home calculator. Source: HM Treasury, How public spending was calculated in your tax summary.

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