UK Income Tax Calculator
Enter your income below for an instant estimated tax breakdown
Your Income
Estimated Tax Liability
£0
Effective rate:
0.0%
Take-home pay
£0
| Personal Allowance | £12,570 |
| Income Tax (basic rate) | £0 |
| Income Tax (higher rate) | £0 |
| Income Tax (additional rate) | £0 |
| Dividend Tax | £0 |
| Employee NI | £0 |
| Class 2 NI | £0 |
| Class 4 NI | £0 |
| Total Tax & NI | £0 |
Frequently Asked Questions
How is UK income tax calculated?
UK income tax is calculated on your taxable income — your total income minus your Personal Allowance (£12,570 for 2025/26). The basic rate of 20% applies to income between £12,571 and £50,270. The higher rate of 40% applies from £50,271 to £125,140, and the additional rate of 45% applies above £125,140.
What happens to my Personal Allowance above £100,000?
If your adjusted net income exceeds £100,000, your Personal Allowance is reduced by £1 for every £2 above the threshold. This means it reaches zero at £125,140, creating an effective marginal rate of 60% in that band.
How are dividends taxed?
Dividends have a £500 tax-free allowance (2025/26). Above that, they’re taxed at 8.75% (basic rate), 33.75% (higher rate), or 39.35% (additional rate). Dividend income sits on top of your other income when working out which band applies.
How does National Insurance work for the self-employed?
Self-employed individuals pay Class 2 NI (£3.45/week if profits exceed £12,570) and Class 4 NI (6% on profits between £12,570 and £50,270, then 2% above £50,270). These are in addition to income tax.
Is this calculator accurate?
This calculator provides a good estimate based on standard HMRC rates for the selected tax year. It does not account for tax reliefs, pension contributions, Gift Aid, marriage allowance, or other deductions. For a precise figure, consult a qualified accountant or use HMRC’s own tools.