The UK tax year 2026/27 runs from 6 April 2026 to 5 April 2027. If you live in Wales and you are employed (PAYE), your take-home pay is mainly affected by Income Tax, National Insurance, pension contributions, and possibly student loans.
Want a personalised breakdown in seconds? Use our Wales tools: Wales take-home pay, salary to hourly (Wales), hourly to salary (Wales), monthly to hourly (Wales). You can also compare across the UK: England, Scotland, Northern Ireland.
💡 Quick note
This page focuses on the updates most employees care about. If you are self-employed, have dividends, or have complex tax situations, the rules can differ.
1. Personal Allowance in Wales (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).
🔢 Pro tip
Your real take-home depends on your tax code, pension, and student loans. If you want a quick accurate result, start here: Wales Take-Home Pay.
2. Income Tax in Wales (2026/27)
For 2026/27, the Welsh Government is keeping Welsh Rates of Income Tax unchanged, which means most Welsh taxpayers continue to pay the same main Income Tax rates and thresholds as those in England and Northern Ireland.
| 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 |
Want to see your hourly take-home equivalent? Use: Salary to Hourly (Wales) or convert the other way with: Hourly to Salary (Wales).
3. Welsh Final Budget 2026/27: What changed?
The Welsh Final Budget for 2026/27 focuses on stability. Most tax rates remain unchanged, with a few practical changes that mainly affect businesses and local finances.
Income Tax: no changes for 2026/27
Welsh Rates of Income Tax remain unchanged, keeping Wales aligned with England and Northern Ireland for the main rates and thresholds. For most employees, that means Income Tax is not the “new surprise” this year.
Land Transaction Tax (LTT): unchanged
Land Transaction Tax rates remain unchanged for 2026/27. If you are buying a home, your take-home pay does not change because of LTT, but it matters for purchase costs.
Landfill Disposals Tax (LDT): rates increase from 1 April 2026
From 1 April 2026, Landfill Disposals Tax rates increase:
- Standard rate: £130.75 per tonne
- Lower rate: £8.65 per tonne
- Unauthorised disposals: £196.15 per tonne
🏠 Will this change my payslip?
Not directly. LDT is not a payroll deduction, but it can affect costs in waste and construction supply chains over time. For your payslip, the key is still Income Tax, NI, pension, and student loans.
Business rates: new multipliers from 1 April 2026
Wales starts a new non-domestic rating list on 1 April 2026 following revaluation. The standard multiplier drops to 0.502 for 2026/27. The lower retail multiplier is 0.350, and the higher multiplier is 0.515.
Council tax: no cap announced
The Final Budget does not announce a cap or freeze on council tax. Local authority funding increases are included, but council tax decisions remain local.
4. How this affects take-home pay in Wales
Because Welsh Income Tax rates and thresholds remain aligned with England and Northern Ireland, many people will see take-home pay change mainly due to: pension contributions, overtime or bonuses, tax code changes, student loans, and National Insurance.
🎯 The fastest way to check
Run your exact salary through: Wales Take-Home Pay. Then convert it for budgeting with: Monthly to Hourly (Wales).
🎯 Key Takeaways
- The 2026/27 tax year runs from 6 April 2026 to 5 April 2027.
- Wales keeps Income Tax aligned with England and Northern Ireland for 2026/27.
- Personal Allowance remains £12,570 for most people.
- Welsh Final Budget changes include higher Landfill Disposals Tax rates from 1 April 2026 and updated business rates multipliers from 1 April 2026.
- Use Wales specific tools for the most accurate estimate: take-home pay (Wales), salary to hourly (Wales), hourly to salary (Wales), monthly to hourly (Wales).
5. Frequently Asked Questions
Which take-home pay calculator should I use if I live in Wales?
Use the Wales calculator: Wales Take-Home Pay. If you live elsewhere, use: England, Scotland, Northern Ireland.
Are Welsh Income Tax bands different from England?
For 2026/27, Wales keeps parity with England and Northern Ireland for the main Income Tax rates and thresholds. Your take-home can still differ because of pensions, student loans, and tax codes.
How do I convert my pay into an hourly rate in Wales?
Use: Salary to Hourly (Wales) or if you start with an hourly rate: Hourly to Salary (Wales). For monthly budgeting: Monthly to Hourly (Wales).
Do the Welsh Budget changes affect employees directly?
The main employee change is that Income Tax stays stable. The other changes, like Landfill Disposals Tax and business rates multipliers, mainly affect businesses and local finances rather than payslips.
6. Final Thoughts
For 2026/27, Wales is keeping Income Tax steady, which makes planning a bit easier. The biggest changes in the Welsh Final Budget sit outside payroll, while your take-home will still depend heavily on National Insurance, pensions, and student loans.
If you want a precise personalised result, use: Wales Take-Home Pay and convert it for planning with: Monthly to Hourly (Wales).