Income Tax Calculator — United Kingdom
Estimate UK Income Tax, National Insurance and student-loan repayments for the 2025-26 tax year (6 April 2025 to 5 April 2026). Supports England, Wales, NI and Scotland.
Tax Year 2025-26
Your earnings
Region
Total tax
£9,080
Take-home
£35,920
Effective rate
20.2%
Marginal 28%
Breakdown
- Gross salary£45,000
- Personal allowance−£12,570
- Income tax (England/Wales/NI)Marginal 20%£6,486
- National Insurance (Class 1)8% above £12,570£2,594
- Total deductions£9,080
- Take-home pay£35,920
Notes & assumptions (3)
- Rates apply to England, Wales and Northern Ireland. Scotland's rates are different — switch the region above to compare.
- Personal Allowance tapers above £100,000 (£1 reduction per £2 of income) and is fully withdrawn at £125,140.
- Excludes Capital Gains Tax, Dividend Tax, and means-tested benefits/Child Benefit clawback (HICBC).
Official sources for United Kingdom (Tax Year 2025-26)
- HMRC — Income Tax rates and Personal Allowances ↗
- HMRC — National Insurance rates and letters ↗
- Scottish Government — Income Tax 2025-26 ↗
Calculated for general guidance only. Tax laws change frequently — verify against official sources before filing. This calculator does not constitute tax advice. For complex situations, consult a qualified tax professional in United Kingdom.