UK Income Tax Calculator
Use this UK Income Tax Calculator to estimate your income tax (and optional employee National Insurance) for the 2025/26 tax year. It’s ideal for quick planning and sense-checking before you run PAYE or complete Self Assessment.
UK Income Tax Calculator (2025/26)
Figures are estimates using standard UK tax bands. Choose England/Wales/NI or Scotland.
Your Results
We show how your income flows through personal allowance and tax bands.
Total estimated deductions
£0.00
| Gross income (employment + other) | £0.00 |
|---|---|
| Estimated personal allowance | £0.00 |
| Taxable income | £0.00 |
| Income tax (total) | £0.00 |
| Employee National Insurance | £0.00 |
| Estimated take-home (net) | £0.00 |
| Tax in lowest band | £0.00 |
|---|---|
| Tax in next band | £0.00 |
| Tax in highest band | £0.00 |
Want a cleaner plan for PAYE, self assessment, and overall tax efficiency? Path Accountants can review your situation and recommend the best setup.
How UK income tax is calculated
Income tax is calculated by taking your total income, applying your personal allowance (if available), and then taxing the remaining amount across your relevant tax bands. If your income is above £100,000, your personal allowance may reduce by £1 for every £2 over £100,000.
What this calculator includes
- Personal allowance estimation using your tax code
- England/Wales/NI bands or Scotland bands (for non-savings, non-dividend income)
- Optional employee National Insurance estimate
Important
Your real PAYE position can differ due to benefits, pension contributions, salary sacrifice, previous under/over-payments, or non-standard tax codes. Use this as a planning estimate, then confirm with an accountant if you’re unsure.
FAQs
Why does my personal allowance reduce above £100,000?
In the UK, personal allowance is tapered: for every £2 of adjusted net income above £100,000, you lose £1 of allowance. It becomes £0 at £125,140.
Does this include dividends or savings interest?
No. This calculator is for non-dividend income (salary/other income). Dividends and savings can have different allowances and rates.
Why are Scotland results different?
Scotland sets different income tax bands and rates for non-savings, non-dividend income, so the band split changes.
Is National Insurance the same as income tax?
No. National Insurance is separate from income tax. This calculator can include a simple employee NI estimate if you toggle it on.
Is this accurate for every situation?
It’s a solid estimate for common cases. Complex situations (benefits, salary sacrifice, pensions, multiple employments, self-employment rules, student loans) should be reviewed properly.
Specialist Services & UK Tax Calculators
Explore our most-used accounting services and calculators. Each link takes you to the relevant Path Accountants page for deeper guidance or tools.