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🇬🇧 United Kingdom · Finance

UK Income Tax Calculator 2025/26

Enter your annual salary to calculate your income tax, National Insurance contributions, and take-home pay for the 2025/26 tax year.

Your total salary before any deductions
Most people are on 1257L — leave as is if unsure
Optional — employee pension reduces taxable income
Annual Take-Home Pay
£--
-- per month
Gross salary --
Personal allowance --
Taxable income --
Income tax --
National Insurance (NI) --
Pension deduction --
Effective tax rate --
Tax band --

UK Income Tax Bands 2025/26

Band Taxable Income Rate
Personal Allowance Up to £12,570 0%
Basic Rate £12,571 – £50,270 20%
Higher Rate £50,271 – £125,140 40%
Additional Rate Over £125,140 45%

Frequently Asked Questions

The personal allowance is £12,570 (0% tax). Above that: 20% basic rate up to £50,270, 40% higher rate up to £125,140, and 45% additional rate above £125,140.

For employees in 2025/26, NI is 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.

Yes. Pension contributions made through salary sacrifice reduce your taxable income, meaning you pay less income tax and NI. For example, a 5% pension contribution on a £40,000 salary saves you £400 in income tax.

The standard personal allowance is £12,570. You pay no income tax on earnings up to this amount. It reduces by £1 for every £2 earned above £100,000, reaching zero at £125,140.

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