UK Tax Calculator

Calculate your take-home pay for the 2025/2026 tax year. Updates in real-time!

Tax YearChoose the tax year (HMRC updates rates annually).

Tax RegionScotland has unique rates; others use UK rates (HMRC).

Gross Salary (£)Your total pay before tax (per HMRC payslip).

Tax CodeYour HMRC code (e.g., 1257L = £12,570 allowance).

1257L means £12,570 tax-free allowance.

Pension ContributionReduces tax; max relief £60,000/year (HMRC).

Student Loan PlanRepayments above thresholds (e.g., £27,295 for Plan 2, HMRC).

PeriodHow often you’re paid (HMRC standard).

Allowances / Deductions (£)Reduces taxable income (e.g., work from home £312/year, HMRC).

Over State Pension AgeNo NI if over 66 (HMRC).

Married/Civil PartnershipMay qualify for £252 allowance (HMRC).

BlindExtra £3,070 allowance (HMRC).

No National InsuranceExempt from NI (HMRC rules).

Glossary

Gross Pay: Total earnings before any deductions.
Tax-Free Allowance: Amount you can earn before paying income tax (£12,570 in 2024/25).
Total Taxable: Income subject to tax after allowances and deductions.
National Insurance (NI): Contributions for state benefits, e.g., pension, NHS.
Student Loan: Repayments deducted based on income thresholds.
Pension [You]: Your contribution to a pension scheme.
Pension [HMRC Relief]: Tax relief added by HMRC to your pension.
Marriage Allowance: Tax break (£252/year) if one partner earns below £12,570.
Allowances/Deductions: Amounts reducing taxable income (e.g., work-from-home allowance).
Net Pay: Take-home pay after all deductions.
Employers NI: NI contributions paid by your employer.
Net Change: Difference in net pay from the previous tax year.

For more details on tax codes, see our Tax Code Guide.

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