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UK Income Tax Calculator 2025/26

Free UK Income Tax calculator for 2025/26 and 2023/24. England, Wales, Northern Ireland and Scottish bands supported. See exactly which band each pound falls in.

Income Tax due£4,986On £37,500 of income
  • Personal allowance (0%)First £12,570£0.00
  • Basic rate (20%)£24,930 × 20%£4,986.00
  • Total Income TaxEffective rate: 13.3%£4,986.00

This calculator covers main-band Income Tax only and assumes no employer-provided benefits or salary sacrifice. National Insurance is calculated separately — see the Take-Home Pay calculator.
How this is calculated

The maths, in plain English.

Income Tax in the UK is charged in bands. For 2025/26 in England, Wales and Northern Ireland:

  • Personal allowance (0%) — first £12,570
  • Basic rate (20%) — next £37,700 of taxable income
  • Higher rate (40%) — taxable income up to £125,140
  • Additional rate (45%) — over £125,140 of taxable income

The personal allowance reduces by £1 for every £2 of income over £100,000, hitting zero at £125,140. This creates the well-known 60% effective marginal rate trap.

Scottish taxpayers have a different structure with six bands ranging from 19% (starter) to 48% (top rate). Switch the region toggle to see those.

This calculator gives an estimate based on standard rules. For complex situations — multiple income sources, foreign income, dividends layered on top — a Self-Assessment review with a qualified accountant is the only way to be sure.

Common questions

4 questions we get asked.

If yours is not here, ring us. We answer in four rings on weekdays and write back the same day on emails.

01 Do these income tax bands apply to everyone in the UK?
England, Wales, and Northern Ireland share the same Income Tax bands. Scotland has its own bands and rates — switch the region toggle on the calculator to use Scottish rates.
02 What is the personal allowance and how does it work?
The personal allowance is the amount you can earn each year before paying Income Tax — £12,570 for 2025/26. It tapers away by £1 for every £2 you earn over £100,000, hitting zero at £125,140.
03 Why does my marginal rate hit 60% between £100k and £125k?
Because the personal allowance is being clawed back. Each extra £1 earned costs you 40p in Income Tax plus another 20p on previously tax-free PA — total 60p per pound. There are tactics (pension contributions, gift aid) that can pull income back below £100k and reclaim the allowance.
04 Does this include National Insurance?
No — this calculator covers Income Tax only. For your full take-home, use our Take-Home Pay calculator which combines Income Tax, NI, pension, and student loan deductions.
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