UK Income Tax & NI Calculator (2025/26)
Use this quick calculator to estimate your annual UK income tax, National Insurance, and take-home pay.
What this UK tax rate calculator does
This UK tax rate calculator gives you an easy estimate of how much tax you may pay on your salary. It uses common 2025/26 rules for income tax and employee National Insurance contributions, then shows your likely take-home pay.
If you are searching for a practical income tax calculator UK tool, this page is designed to help you quickly answer questions like:
- How much tax will I pay on my salary?
- How much National Insurance comes out of my pay?
- What is my net annual and monthly income?
- How does salary sacrifice pension affect take-home pay?
How UK income tax works (simple version)
In the UK, income tax is progressive. That means each slice of your taxable income is taxed at a different rate. You do not pay one single rate on your whole salary.
1) Personal Allowance
Most people can earn up to a Personal Allowance before paying income tax. For higher earners, this allowance is tapered down once adjusted income exceeds £100,000, and can reduce to £0.
2) Tax bands
After your Personal Allowance is applied, the remaining taxable income is divided into bands. For England, Wales, and Northern Ireland, these are typically basic, higher, and additional rates. Scotland uses its own tax bands and rates.
3) National Insurance
Employee National Insurance (NI) is separate from income tax. NI is generally charged on earnings above a threshold, with one rate up to the upper limit and a lower rate above that.
How to use this calculator effectively
- Enter your annual gross salary before tax.
- Add any annual salary sacrifice pension amount (if relevant).
- Select your tax region correctly (Scotland has different rates).
- Keep NI enabled for a closer take-home pay estimate.
The result gives a clear breakdown of income tax and NI plus your estimated monthly take-home pay.
Example scenarios
Example A: £35,000 salary
At this level, most taxable income falls within lower bands, so the effective rate is moderate. You will usually see the bulk of deductions from basic-rate tax plus NI.
Example B: £65,000 salary
A larger portion of income enters higher-rate taxation. Your marginal rate rises, and this can noticeably reduce the amount of each additional pound you keep.
Example C: £110,000 salary
At this level, the Personal Allowance starts tapering away. This can create a higher effective tax burden in the £100k to £125,140 range.
Tips to reduce your tax bill legally
- Pension contributions: Salary sacrifice can lower taxable pay and NI.
- Gift Aid: Eligible charitable giving may improve your effective tax position.
- Tax-efficient savings: Consider ISA allowances for investment growth outside income tax.
- Check your tax code: An incorrect code can lead to overpaying tax.
Important notes and disclaimer
This is an educational estimator, not personal tax advice. Real payroll calculations can vary because of pay frequency, benefits in kind, student loan deductions, tax code adjustments, and specific HMRC rules. Always confirm important decisions with official HMRC guidance or a qualified tax adviser.