This shows the Income Tax due on a given income for the 2025/26 tax year using England and Northern Ireland rates: a £12,570 personal allowance (tapered away above £100,000), then 20 percent, 40 percent and 45 percent bands. National Insurance is charged separately. Scotland uses its own bands, so Scottish taxpayers will see a different result.
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UK tax guide book
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Personal finance book
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Frequently asked questions
Is National Insurance included?
No. This tool shows Income Tax only. Use the Take-Home Pay calculator to see tax and National Insurance together.
Why does my personal allowance shrink above £100,000?
The £12,570 allowance is reduced by £1 for every £2 of income over £100,000, disappearing entirely at £125,140 — which creates an effective 60 percent marginal rate in that band.