UK Income Tax Calculator 2025/26
Calculate your PAYE income tax and National Insurance contributions for 2025/26. Includes Personal Allowance taper, all tax bands and take-home pay.
Income Tax Band Breakdown
| Band | Income in Band | Rate | Tax |
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Full Pay Summary
How to Use This UK Income Tax Calculator
Enter your annual gross salary — this is your salary before any tax or NI deductions. Enter your tax code (check your payslip or P60; most people are on 1257L). Results show your income tax, National Insurance and take-home pay, updated instantly.
This calculator covers England, Wales and Northern Ireland rates for the 2025/26 tax year (6 April 2025 to 5 April 2026).
The Formula
Taxable Income = Gross Salary − Personal Allowance
Income Tax = 20% × Basic Rate income + 40% × Higher Rate income + 45% × Additional Rate income
Employee NI = 8% × (earnings £12,570–£50,270) + 2% × (earnings above £50,270)
Take-Home = Gross − Income Tax − NI
Example
Personal Allowance: £12,570
Taxable income: £55,000 − £12,570 = £42,430
Basic rate: £37,700 × 20% = £7,540
Higher rate: £4,730 × 40% = £1,892
Income Tax: £9,432
NI: £37,700 × 8% + £4,730 × 2% = £3,016 + £95 = £3,111
Take-home: £55,000 − £9,432 − £3,111 = £42,457/year (£3,538/month)
UK Tax Deep Dive
Marginal rate analysis, income band breakdown and monthly pay schedule
Visual split of your income across each UK tax band.
Your combined marginal rate (income tax + NI) at different income levels.
| Income Range | Income Tax Rate | NI Rate | Combined Marginal Rate |
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Monthly PAYE breakdown across the tax year.
| Month | Gross | Income Tax | NI | Take-Home |
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