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tool · income tax

Income tax, calculated against the latest HMRC bands.

Type a salary; see how much each band actually takes. England/Wales/NI and Scotland.

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.
Personal allowance £12,570Higher-rate threshold £50,270Additional-rate threshold £125,140Dividend allowance £500NI primary threshold £12,570Class 1 NI 8% / 2%Pension annual allowance £60,000ISA allowance £20,000Capital Gains AEA £3,000VAT registration threshold £90,000Personal allowance £12,570Higher-rate threshold £50,270Additional-rate threshold £125,140Dividend allowance £500NI primary threshold £12,570Class 1 NI 8% / 2%Pension annual allowance £60,000ISA allowance £20,000Capital Gains AEA £3,000VAT registration threshold £90,000
How this works

We apply the personal allowance (with the £100k taper if applicable), then the basic, higher and additional rate bands. Switch to Scotland for the 6-band Scottish structure.

The 60% trap

Between £100,000 and £125,140 your personal allowance is being clawed back at 50p per pound. Combined with 40% income tax, that's a 60% effective marginal rate. Pension contributions and gift aid pull income back below £100k and reclaim the allowance — often the highest-leverage move a higher earner can make.

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