Savings interest tax calculator UK 2026/27
Calculate tax on savings interest outside ISAs for 2026/27. Includes unused Personal Allowance, the savings starting rate and Personal Savings Allowance.
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Estimated savings interest tax only
Inputs changed. Select Calculate result to update your estimate.
2026/27 estimate with only non-savings income and savings interest, no dividends, pension relief or special allowances. UK-wide savings rates apply, including in Scotland. Shows tax on savings only; allowance taper can separately raise tax on other income.
How the savings interest tax calculator uk 2026/27 works
Use any unused Personal Allowance, the remaining £5,000 savings starting-rate band and a Personal Savings Allowance of £1,000, £500 or £0. Then apply UK savings bands.
UK data and rules
2026/27 data · Checked 16 October 2026. Rules are a dated snapshot, not a live feed.
Read about data coverage and updates
Worked example: savings interest tax
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Other non-savings income (£)
- 30,000
- Interest outside ISAs (£)
- 1,300
Estimated savings interest tax only: £60.00
Use any unused Personal Allowance, the remaining £5,000 savings starting-rate band and a Personal Savings Allowance of £1,000, £500 or £0. Then apply UK savings bands.
Savings interest tax: questions answered
Is the Personal Savings Allowance based only on my salary?
No. Interest can push your total income into a higher band and reduce the Personal Savings Allowance. This tool uses your non-savings income plus interest, with no dividend income in the model.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
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