Income tax calculator

Estimate your income tax liability based on earnings and allowances.

Your Income

Gross Annual Income

£0£200k

Tax Region

Allowances & Deductions

Personal Allowance (standard £12,570)

Pension Contributions (annual, pre-tax)

£0£20k

Other Taxable Income (rental, dividends, etc.)

£0£50k

Student Loan Plan

Employment Status

Tax Summary · 2025/26

Take-Home Pay

—

per year

Total Deductions

—

income tax + NI

Effective Tax Rate
—
of gross income

Take-home pay

—

Income Tax

—

National Insurance

—

Income across tax bands

Tax-free Basic rate 20% Higher rate 40% Additional rate 45%

Tax Band Breakdown

Full Deductions Breakdown

Gross employment income—

Other taxable income—

Total gross income—

Less: Personal Allowance—

Less: Pension contributions—

Taxable income—

Income Tax—

National Insurance—

Student Loan repayment—

Total deductions—

Net take-home pay—

National Insurance Detail

Take-Home by Pay Period

Tax Planning Insights

Calculations use 2025/26 HMRC rates and thresholds. Personal Allowance: £12,570. Basic rate band: £12,571–£50,270 (20%). Higher rate: £50,271–£125,140 (40%). Additional rate: above £125,140 (45%). Personal Allowance tapers by £1 for every £2 above £100,000. Scottish rates differ. National Insurance rates: Class 1 employees 8% on £12,570–£50,270, 2% above. Self-employed Class 4: 6% on £12,570–£50,270, 2% above. This calculator is for illustrative purposes only and does not constitute tax advice. Always consult HMRC or a qualified tax adviser for your personal position.

Income tax calculator

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