Free ToolNo signup required
Income Tax Calculator UK
Calculate your UK income tax, National Insurance, and take-home pay for 2025/26.
2025/26 Tax Bands
Up-to-date UK rates and thresholds
Scotland Supported
Separate Scottish tax bands included
Full Deductions
NI, student loans, and pension contributions
Calculate Your Income Tax
Enter your salary to see a full breakdown of income tax, payroll taxes, and take-home pay.
UK Income Tax Rates and Bands 2025/26
England & Wales
Scotland
England and Wales vs Scottish Income Tax
England & Wales
Three main tax bands plus the personal allowance. Simpler structure with wider bands. The basic rate covers a broad range (£12,571-£50,270), meaning most earners pay just 20% on the majority of their income. The personal allowance taper above £100K affects both systems equally.
Scotland
Six bands create a more graduated system. Lower earners pay slightly less (19% starter rate). Higher earners pay more — the 42% higher rate kicks in at £43,663 (vs £50,271 in England) and the top rate is 48% (vs 45%). This means Scottish taxpayers earning above ~£28K generally pay more income tax.
How to Use This UK Income Tax Calculator
Enter Your Salary
Your annual gross salary before deductions.
Select Options
Tax year, country, pension, and student loan plan.
See Your Breakdown
Income tax, NI, student loan, and take-home pay.
Understanding Your HMRC Tax Code
- 1257L — standard code. This means you get the full £12,570 personal allowance. Most employees with one job and no benefits in kind will have this code.
- BR or D0 — no allowance. BR means all income is taxed at basic rate (20%). D0 means all at higher rate (40%). Usually applied to a second job where the allowance is used on the first.
- K codes — extra tax. A K prefix means your deductions (benefits in kind, state pension) exceed your personal allowance. HMRC collects the extra via PAYE.
- Check and correct errors. Wrong tax codes can mean over or underpayment. Check your code at gov.uk/check-income-tax or your HMRC app. Contact HMRC directly if it looks wrong.
Want deeper insights?
ARIA analyses your entire portfolio with institutional-grade risk management and tax-efficient planning.
Create Free Account