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UK Income Tax Calculator 2025/26 - Calculate Tax & NI

UK Income Tax Calculator 2025/26

Calculate your income tax, National Insurance contributions, and take-home pay with current HMRC rates. Updated for 2025/26 tax year.

Income Details

Tax Year

2025/26

Tax Region

England & Wales

Scotland

Annual Income

Tax Code

Age Group

+ Show Advanced Options

Other Income (Interest, Dividends)

Pension Contributions

Gift Aid Donations

Marriage Allowance Transfer

Blind Person's Allowance Apply Blind Person's Allowance (£2,870)

Annual Income Tax

£5,486

£457

Monthly Tax

£105

Weekly Tax

£2,568

National Insurance

£32,946

Take-Home Pay

Gross Income £40,000

Personal Allowance £12,570

Taxable Income £27,430

Income Tax £5,486

National Insurance £2,568

Net Income £31,946

Effective Tax Rate: 17.3%
Total tax and NI as percentage of gross income

Marginal Tax Rate: 32%
Tax rate on next £1 of income

Tax Band Breakdown

Income Tax Bands

National Insurance Bands

Allowances Applied

Personal Allowance £12,570

Marriage Allowance £0

Blind Person's Allowance £0

Income Comparison

Per Hour (40h/week)	£19.23	£15.36
Per Day (5 days/week)	£154	£123
Per Week	£769	£615
Per Month	£3,333	£2,662

Important: This calculator provides estimates based on standard tax rates for the selected tax year. Your actual tax liability may vary depending on specific circumstances, benefits in kind, and other factors. Always consult HMRC or a qualified tax advisor for complex situations.

UK Tax Rates & Allowances 2025/26

Income Tax Rates (England & Wales)

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

Scottish Income Tax Rates

Band	Rate	Taxable Income
Personal Allowance	0%	£0 - £12,570
Starter Rate	19%	£12,571 - £14,876
Basic Rate	20%	£14,877 - £26,561
Intermediate Rate	21%	£26,562 - £43,662
Higher Rate	42%	£43,663 - £125,140
Top Rate	47%	Over £125,140

National Insurance Rates

Class	Rate	Earnings Range
Class 1 (Employee)	12%	£12,570 - £50,270
Class 1 (Employee)	2%	Over £50,270
Class 1 (Employer)	13.8%	Over £9,100

No National Insurance is payable on earnings below £12,570 per year.

Key Allowances & Reliefs

Personal Allowance: £12,570 (reduces by £1 for every £2 earned over £100,000)
Marriage Allowance: Transfer up to £1,260 of unused personal allowance to spouse
Blind Person's Allowance: Additional £2,870 if registered blind
Dividend Allowance: £1,000 tax-free dividend income
Personal Savings Allowance: £1,000 (basic rate) or £500 (higher rate) tax-free interest

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