The UK tax year 2026/27 runs from 6 April 2026 to 5 April 2027. If you live in Northern Ireland and you are employed (PAYE), your payslip is mainly affected by Income Tax and National Insurance, and often by pension contributions and student loan repayments.
Want a personalised breakdown in seconds? Use: Northern Ireland take-home pay. You can also convert your pay for budgeting and job comparisons: salary to hourly (NI), hourly to salary (NI), monthly to hourly (NI).
💡 Quick note
This page focuses on employee PAYE deductions. If you are self-employed, have dividends, or have complex income, the rules can differ.
1. Personal Allowance (2026/27)
For the 2026/27 tax year, the standard Personal Allowance remains: £12,570 per year (or £242 per week / £1,048 per month). This is the amount most people can earn before paying Income Tax.
🔢 Pro tip
If you earn over £100,000, your Personal Allowance reduces by £1 for every £2 over £100,000. That can make your effective tax rate jump. Check your exact take-home here: NI Take-Home Pay.
2. Income Tax Bands in Northern Ireland (2026/27)
Northern Ireland uses the same main Income Tax bands as England for 2026/27. These rates apply to your taxable income above the Personal Allowance.
| Band | Rate | Taxable income (above Personal Allowance) |
|---|---|---|
| Basic rate | 20% | Up to £37,700 |
| Higher rate | 40% | £37,701 to £125,140 |
| Additional rate | 45% | Above £125,140 |
For a quick pay conversion (useful for hourly jobs, overtime or shift work), try: Salary to Hourly (NI) or Hourly to Salary (NI).
3. What’s different in Northern Ireland compared to Great Britain?
For Income Tax, Northern Ireland is aligned with England (and Wales using UK rates). The biggest “regional difference” people notice in NI is usually not Income Tax, but local charging systems: domestic rates for households and non-domestic rates for businesses. These are separate from your payslip deductions, but they matter for monthly budgets.
🏠 Domestic rates vs payslip deductions
Domestic rates are not taken from your salary like Income Tax and NI. Your take-home pay calculation still depends mainly on Income Tax, National Insurance, pensions and student loans. Use NI Take-Home Pay for the payslip side, then budget separately for rates.
4. Why your take-home pay can change even when tax bands don’t
Even if the Income Tax bands are stable, your net pay can still move because of:
- National Insurance (rates and thresholds)
- Pension contributions (auto-enrolment or salary sacrifice)
- Tax code changes (benefits in kind, underpayments, second jobs)
- Student loan repayments (thresholds and plan type)
- Overtime, bonuses, and pay frequency (weekly vs monthly)
🎯 The fastest way to check your real net pay
Run your salary through: Northern Ireland Take-Home Pay. Then convert it for budgeting: Monthly to Hourly (NI).
5. Quick comparison: Northern Ireland vs Scotland
NI follows the England bands, while Scotland has different bands and rates for non-savings/non-dividend income. If you are comparing jobs across the UK, always use the correct calculator: Northern Ireland vs Scotland.
🎯 Key Takeaways
- The 2026/27 tax year runs from 6 April 2026 to 5 April 2027.
- Northern Ireland uses the same main Income Tax bands as England for 2026/27.
- Personal Allowance remains £12,570 for most people.
- Your take-home pay can still change due to NI, pensions, tax codes, bonuses and student loans.
- Use NI-specific tools for accuracy and conversions: take-home pay (NI), salary to hourly (NI), hourly to salary (NI), monthly to hourly (NI).
6. Frequently Asked Questions
Which take-home pay calculator should I use if I live in Northern Ireland?
Use: Northern Ireland Take-Home Pay. If you live elsewhere, use: England, Wales, Scotland.
Are NI Income Tax bands different from England?
For 2026/27, the main bands and thresholds are the same. Differences in your net pay usually come from pensions, student loans, and tax code changes, not the region.
How do I convert my NI salary into an hourly rate?
Use: Salary to Hourly (NI). If you have an hourly rate and want an annual figure, use: Hourly to Salary (NI). For monthly budgeting: Monthly to Hourly (NI).
Do domestic rates affect my take-home pay?
Domestic rates are not deducted from your salary like Income Tax and National Insurance. They affect your overall household budget instead. For your payslip estimate, use: NI Take-Home Pay.
7. Final Thoughts
For 2026/27, Northern Ireland follows the standard UK Income Tax structure used in England. The most reliable way to understand what you will actually take home is to calculate net pay with your exact inputs (salary, pension, student loans, and tax code).
Use: Northern Ireland Take-Home Pay and convert it for planning with: Salary to Hourly (NI), Hourly to Salary (NI), Monthly to Hourly (NI).