Enter your annual salary below to see exactly how much income tax and National Insurance you’ll pay, and what your take-home pay will be.
How this is calculated
Uses 2025/26 HMRC thresholds: Personal Allowance £12,570; basic rate 20% (rUK) / 19% starter (Scotland); higher rates from £50,270; additional/top rates above £125,140. NI is 8% between £12,570 and £50,270, and 2% above.
How This Calculator Works
This calculator uses the official 2025/26 tax rates from HMRC:
| Band |
Earnings |
Rate (rUK) |
Rate (Scotland) |
| Personal Allowance |
£0 – £12,570 |
0% |
0% |
| Basic / Starter |
£12,571 – £50,270 |
20% |
19–20% |
| Higher |
£50,271 – £125,140 |
40% |
42–45% |
| Additional / Top |
Above £125,140 |
45% |
48% |
National Insurance for 2025/26 is 8% on earnings between £12,570 and £50,270, plus 2% above £50,270.
The £100,000 Tax Trap
If you earn over £100,000, your Personal Allowance is reduced by £1 for every £2 above £100,000. This creates an effective tax rate of 60% on earnings between £100,000 and £125,140.
Read our full guide on income tax bands explained for more detail.
Sources
Disclaimer: This calculator provides estimates only based on 2025/26 rates. It does not account for pension contributions, student loan repayments, childcare vouchers, or other salary deductions. For exact figures, use the GOV.UK tax checker.