Income Tax Calculator UK 2025/26 — Take Home Pay

For 2025/26: the tax-free personal allowance is £12,570. Basic Rate 20% applies to the amount of income between £12,571–£50,270. Higher Rate 40% on £50,271–£125,140. Additional Rate 45% above £125,140. Scottish taxpayers have different rates set by the Scottish Government. These are the national insurance rates and income tax bands this calculator uses.

How much tax do I pay uk depends on your gross salary. On £30,000: roughly £3,486 income tax + £1,426 NI = take-home pay ~£25,088. On £50,000: ~£7,486 tax + £3,026 NI = take-home ~£39,488. On £60,000: ~£11,432 tax + £3,226 NI = take-home ~£45,342. This income tax calculator UK gives you the precise figure for any salary instantly — a real-time tax calculator take home pay result.

National Insurance (NI) is a tax on earnings. The 2025/26 national insurance rates for employees are: 8% on earnings between £12,570–£50,270, and 2% above £50,270. To pay National Insurance you must earn above the £12,570 primary threshold. NI contributions count towards your State Pension and certain benefits. Employer NI is 15% above £5,000.

The tax-free personal allowance for 2025/26 is £12,570 — the amount of income you can earn before paying any income tax. It tapers above £100,000 (£1 reduction per £2 earned) and is fully withdrawn at £125,140. For the amount of income above the allowance, basic rate (20%) applies first.

A PAYE calculator uk (Pay As You Earn) shows how much income tax and National Insurance your employer deducts from your salary before you receive it. PAYE is the system HMRC uses for employed workers. Enter your gross salary above to use this as a PAYE calculator — it shows the exact monthly and annual deductions based on a standard tax code.

Gross income is your pay before any deductions. Net pay (take-home pay) is what lands in your bank account after income tax, National Insurance, pension, and student loan repayments. This net pay calculator uk and salary calculator uk shows both monthly and annual figures side by side. It also works as a britain tax calculator — whether you call it a tax calculator britain or a UK salary tool, the rates are the same for England, Wales, and Northern Ireland.

Legal ways to reduce your UK income tax: make pension contributions (they reduce the amount of income taxed), use your £20,000 ISA allowance (tax free personal savings wrapper), claim marriage allowance if eligible, and claim all allowable expenses if self-employed. Earning over £100,000? Pension contributions can restore your tax-free personal allowance.