Income Tax Calculator
Calculate income tax across all bands. Enter your personal allowance for your country.
Rates & sources2025/26
UK Income Tax bands (2025/26) and Personal Allowance taper over £100,000. Scotland rates differ — use the Scotland Income Tax calculator.
Source: HMRC — Income Tax — figures refreshed at the start of each tax year.
When to use this calculator
- Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
- When you want to compare employed, self-employed, or dividend-based income scenarios.
- When you need a simple take-home estimate before running payroll or filing returns.
A realistic Ireland planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Gross Income (€)
€45,000
Personal Allowance (€)
12570
After entering these figures, compare income tax, effective rate and taxable income before deciding which scenario looks strongest.
How to read your results
Income Tax
Review this figure alongside your gross income so you can understand the true cost of deductions.
Effective Rate
The effective rate helps you compare options on a like-for-like basis, not just by headline numbers.
Taxable Income
Review this figure alongside your gross income so you can understand the true cost of deductions.
Common mistakes
- !Entering gross income when you really want take-home pay, or vice versa.
- !Ignoring pension contributions, deductions, or local tax rules that change the result.
- !Comparing monthly and annual figures without standardising them first.
What to do next
- Check the same scenario with related pay or deduction calculators to see the full picture.
- Keep a copy of the assumptions you used so you can compare next tax year or pay period accurately.
- Read the related guides below if you are choosing between multiple income or deduction options.
Frequently asked
Use arrow keys to navigate items, Enter or Space to expand/collapse.
End-of-article next steps
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