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UK Income Tax Calculator

Calculate your UK income tax and National Insurance for 2025/26. See your PAYE deductions, effective rate, and take-home pay.

UK income tax uses a progressive system with bands: Personal Allowance (0%), Basic Rate (20%), Higher Rate (40%), and Additional Rate (45%). National Insurance is charged on top. This calculator shows your combined tax and NI deductions.

Tips for UK Income Tax

1

Personal Allowance: first £12,570 is tax-free (reduces for income over £100,000)

2

National Insurance adds 8% on income between £12,570 and £50,270, then 2% above that

3

Your effective rate includes both Income Tax and NI — it's higher than the headline bracket rate

Frequently Asked Questions

What is the UK personal allowance?
£12,570 per year — this amount is completely tax-free. However, it reduces by £1 for every £2 earned over £100,000, meaning it reaches zero at £125,140.
Last updated: April 2026

Data sources: IRS (US), HMRC (UK), Income Tax Dept (India) tax slabs

For informational purposes only. Not financial, medical, or legal advice. Always consult a qualified professional for decisions affecting your finances or health.

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