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.
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Full 2025/26 tax summary as a PDF
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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.
Example: checking take-home pay from a UK salary
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Annual gross income
£35,000
Pension contribution
5% of salary
Tax year setting
UK default assumptions
Goal
Estimate annual and monthly net income
This example is useful because it shows how quickly deductions change the real value of an income increase. It is usually the best starting point before you compare alternate pay structures.
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.
Go deeper — 4 guides reference this calculator
- 9m
UK Tax Year 2025/26: Complete Guide to Allowances, Bands & Thresholds
Full reference for the 2025/26 UK tax year — income tax bands, Personal Allowance, National Insurance, ISA allowance, pension limits, stamp duty changes.
- 10m
UK Self-Employed Tax Guide: Self Assessment, Payments on Account, Allowable Expenses
How self-employed tax works in the UK — registering with HMRC, the Self Assessment deadline, payments on account, what you can claim, and Class 2/4 NI.
- 6m
Scotland Income Tax 2025/26: Six-Band Guide + Rates vs England
Scottish Income Tax for 2025/26 — all six bands from 19% starter to 48% top rate, who qualifies as a Scottish taxpayer, and how the gap vs England grows with income.
- 7m
UK Tax Year 2026/27: Confirmed Rates, Upcoming Changes, Planning Checklist
What’s confirmed for the 2026/27 UK tax year, what’s changing (MTD for Self Assessment, IHT on pensions), and the allowances to lock in before 5 April 2026.
Frequently asked
Use arrow keys to navigate items, Enter or Space to expand/collapse.
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