How to Use the UK Income Tax Calculator
- Enter your annual salary and any other income sources
- Select your student loan plan if applicable
- Add pension contributions to see the tax benefit
- Toggle marriage allowance if you're eligible
- Results update instantly as you type
UK Income Tax 2025-26 — How It Works
The UK uses a progressive income tax system with frozen thresholds. For the 2025-26 tax year, the personal allowance remains at £12,570 (frozen until 2028), the basic rate band at £50,270, and the higher rate threshold at £125,140. This "fiscal drag" means more people are pushed into higher tax bands as wages rise.
This calculator covers employment income (PAYE), self-employment income, dividend income, and other income. It calculates income tax, National Insurance contributions (Class 1, 2, and 4), dividend tax, and student loan repayments. For self-employed individuals, it includes the £6,725 small profits threshold for Class 2 NI and the 6%/2% Class 4 NI rates.
UK 2025-26 Tax Rates
| Band | Income Range | Rate |
|---|---|---|
| Personal Allowance | £0 - £12,570 | 0% |
| Basic Rate | £12,571 - £50,270 | 20% |
| Higher Rate | £50,271 - £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Who Should Use This Tool?
- UK employees wanting to check their take-home pay
- Self-employed freelancers needing to estimate tax and NI
- Limited company directors with dividend income
- UK expats returning to the UK or filing remotely
- Student loan borrowers checking repayment amounts
Important Notes
- This calculator provides estimates only. Individual circumstances (deductions, credits, exemptions) may change your actual liability
- Rates are based on HMRC 2025-26 tax year
- Does not include Scottish tax rates (different bands apply)
- Capital gains tax is not included
- Consult a qualified tax professional for advice specific to your situation
Frequently Asked Questions
Does this include Scottish income tax rates? No. Scottish rates differ from the rest of the UK. This calculator uses UK-wide rates.
How is the personal allowance taper calculated? For income over £100,140, your personal allowance reduces by £1 for every £2 earned over the threshold.
What is fiscal drag? With frozen tax thresholds and rising wages, more income falls into higher tax bands each year — this is called fiscal drag.
Is my data stored? No. All calculations happen in your browser. Nothing is sent to any server.
Is this tool free? Yes, completely free with no login, no limits, and no watermarks.