UK Income Tax Calculator 2025-2026
Calculate Your Exact Take-Home Pay After Income Tax & National Insurance.
Enter your salary before tax and National Insurance deductions
Scotland has different income tax rates. National Insurance is the same across the UK.
England, Wales & NI Income Tax Rates
National Insurance Rates (Category A)
Wondering how much of your UK salary you'll actually take home? Our Income Tax Calculator helps you estimate your net pay by factoring in Income Tax, National Insurance contributions (NICs), and other deductions. Whether you call it a Take-Home Pay Calculator or Net Salary Calculator, the goal is the same — to show you exactly how much of your earnings you'll keep after tax. If you're working in the UK on a visa or planning to move here, understanding your post-tax income is essential. Use our UK salary calculator to get a clear picture of your monthly or annual take-home pay.
- 20% on £37,700 (£50,270 - £12,570) = £7,540
- 40% on £49,730 (£100,000 - £50,270) = £19,892
- Total Income Tax: £27,432
- 0% on first £12,570 = £0
- 8% on £37,700 (£50,270 - £12,570) = £3,016
- 2% on £49,730 (£100,000 - £50,270) = £994.60
- Total National Insurance: £4,010.60
- Income Tax:
- England, Wales & Northern Ireland: 20% basic rate, 40% higher rate, 45% additional rate. Official government guidance.
- Scotland: 19% starter rate, 20% basic rate, 21% intermediate rate, 42% higher rate, 45% advanced rate, 48% top rate. Official Scottish government guidance.
- National Insurance: Mandatory contributions that fund the NHS and state benefits. National Insurance code A is applied to most employees who are not paying into a pension (8% on most earnings, then 2%). Please check other insurance code details from official UK government guidance.
- Personal Allowance: The first £12,570 of income is tax-free across the UK.
- Scottish Tax: If you live in Scotland, you pay Scottish income tax rates which are generally higher for middle and higher earners.
Scotland has its own income tax system with six tax bands compared to three in England, Wales, and Northern Ireland. Scottish taxpayers often pay more income tax on middle to higher incomes, but National Insurance contributions remain the same across the UK.
This calculator is for informational purposes only and does not constitute financial advice. Always consult a qualified tax advisor for personalized guidance. The official calculator can be found on the UK Government website
Copyright © 2025