UK Personal Income Tax Calculator
Calculate your income tax, National Insurance, and take-home pay for 2025/26
This pay calculator provides accurate estimates for UK income tax, National Insurance contributions, student loan repayments, and pension contributions based on current HMRC rates for the 2025/26 tax year. Supports all UK regions including England, Scotland, Wales, and Northern Ireland.
Annual Income
Annual Gross Income
Adjust your annual salary to see how it affects your tax obligations
Advanced Options
Frequently Asked Questions
How do I use the UK tax calculator?
Our UK tax calculator lets you enter your income, bonuses, and deductions to instantly see your income tax and National Insurance contributions for the current tax year. It works for salaries, pensions, and self-employed income. You can also read our guide to using the tax calculator effectively.
How much tax will I pay in the UK?
You can quickly find out how much tax you will pay using our income tax calculator. Enter your annual income and any deductions to get an accurate breakdown of your tax and NI contributions. See our full tax calculation example for more details.
How much after-tax income will I take home?
Our after-tax calculator shows exactly how much of your salary you keep after income tax and National Insurance. You can also factor in pension contributions and salary sacrifice. Read our guide to understanding take-home pay.
What is the difference between income tax and National Insurance?
Income tax funds public services, while National Insurance contributions go towards benefits and the State Pension. Our tax and NI calculator combines both so you can see your total deductions in one place. Learn more in our full comparison guide.
Can I check if I have paid too much tax?
Yes. If your total deductions are higher than required, you may be due a refund. Use our income tax calculator to check your figures and compare them to HMRC rates. See our tax refund guide for what to do next.
Does the UK tax calculator include pension contributions?
Yes. You can add workplace or personal pension contributions to see how they reduce your taxable income and increase your take-home pay. Learn more in our pension tax benefits guide.
Is the tax calculator updated for the 2025/26 tax year?
Our UK tax calculator is updated for the 2025/26 tax year, including the latest income tax thresholds, personal allowances, and NI rates. Read our UK tax changes 2025 guide for details.
How much is personal income tax in the UK?
Personal income tax in the UK depends on your income level and tax band. For the 2025/26 tax year, the basic rate is 20% on income up to £50,270, the higher rate is 40% on income between £50,271 and £125,140, and the additional rate is 45% on income over £125,140. Use our UK income tax calculator to see exactly what you'd pay.
How much can I earn a month before paying 40% tax?
You start paying the 40% higher rate income tax in the UK once your annual income exceeds £50,270, which is about £4,190 per month before tax. Use our tax calculator to find out your exact monthly take-home pay considering all deductions.
Tax calculations based on 2025/26 tax year rates. This calculator is for guidance only and should not be used for official tax planning.