About the UK Tax Calculator
What is the UK Tax Calculator?
This UK tax calculator works out income tax and employee National Insurance for the 2025/26 tax year (6 April 2025 to 5 April 2026) for England, Wales and Northern Ireland.
Enter your salary, pension contributions made through salary sacrifice and any other taxable income. The calculator applies the personal allowance (reduced by £1 for every £2 of income above £100,000), the 20%, 40% and 45% rates, and Class 1 National Insurance at 8% and 2%, and shows your yearly and monthly take-home pay.
How to use the UK Tax Calculator
- Gross Salary (£ per year) (sample: 45,000)
- Pension Contributions via Salary Sacrifice (£ per year) (sample: 2,250)
- Other Taxable Income (£) (sample: 0)
- Press Calculate UK Tax (results also refresh as you type). The result card shows the Income Tax (2025/26), along with Personal allowance, National Insurance (Class 1), Take-home pay per year and Take-home pay per month.
Formula used
Tax = 20% × basic band + 40% × higher band + 45% × income above £125,140
- Personal allowance = £12,570, tapered to zero between £100,000 and £125,140
- Basic rate band = the first £37,700 of taxable income
- National Insurance = 8% on £12,570–£50,270 and 2% above
Scotland has different income tax bands. Student loan repayments and the marriage allowance are not included.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Gross Salary (£ per year) | 45,000 |
| Pension Contributions via Salary Sacrifice (£ per year) | 2,250 |
| Other Taxable Income (£) | 0 |
| Result | Value |
|---|---|
| Income Tax (2025/26) | £6,036 |
| Personal allowance | £12,570 |
| National Insurance (Class 1) | £2,414 |
| Take-home pay per year | £34,300 |
| Take-home pay per month | £2,858 |
| Effective rate (tax + NI) | 19.77% |
Tips for using the UK Tax Calculator
- Salary sacrifice into a pension saves both income tax and National Insurance.
- Income between £100,000 and £125,140 faces an effective 60% rate because the allowance is withdrawn.
- Check your tax code on your payslip — 1257L is the standard code for 2025/26.