UK Income Tax Calculator
Your Tax Calculation Summary
| Description | Yearly | Monthly | Weekly |
|---|---|---|---|
| Gross Salary | – | – | – |
| Personal Allowance | – | – | – |
| Taxable Salary | – | – | – |
| Your Pension Contribution | – | – | – |
| 20% rate | – | – | – |
| 40% rate | – | – | – |
| 45% rate | – | – | – |
| Income Tax | – | – | – |
| National Insurance | – | – | – |
| Total Deductions (ex Pension) | – | – | – |
| Net Salary (inc Pension) | – | – | – |
Your 2025–2026 UK Guide to Income Tax, National Insurance & Pension Contributions
Curious about how much tax you'll pay in the UK for the 2025–2026 tax year? Whether you're budgeting monthly take-home pay or looking to understand how deductions work, this simple guide covers income tax bands, National Insurance rates, and pension limits — all explained clearly.
Tax Bands & Thresholds (2025–2026)
| Type | Threshold | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Above £125,140 | 45% |
| National Insurance (Main) | £12,570 – £50,270 | 8% |
| National Insurance (Upper) | Above £50,270 | 2% |
| Pension Contribution | Up to £60,000 | Voluntary |
How Are Deductions Calculated?
- Income Tax is calculated after subtracting both your pension contributions and your personal allowance. For example, if you earn £45,000 and contribute £3,000 to your pension, your adjusted income becomes £42,000. Then, you subtract the £12,570 personal allowance — meaning only £29,430 is taxable income.
- National Insurance (NI) applies on earnings above the primary threshold (£12,570). The first slice is taxed at 8%, and earnings above £50,270 are taxed at 2%.
- Pension Contributions reduce your taxable income but must not exceed £60,000 or your gross salary, whichever is lower.
Earning Over £100,000?
If your adjusted net income exceeds £100,000, your personal allowance reduces by £1 for every £2 earned over that threshold.
This means your tax-free allowance becomes zero if you earn £125,140 or more.
Starting from April 2024, if your income is over £60,000, you may have to repay part or all of your Child Benefit via the High Income Child Benefit Charge (HICBC).
For previous years (2023–2024 and earlier), the threshold was £50,000.
Our calculator above incorporates all these rules and instantly gives you your annual, monthly, and weekly take-home pay after tax, NI, and pension deductions.
Data reflects HMRC updates for the 2025–2026 tax year. This content is for general guidance only.