Calculate UK income tax, National Insurance, and student loan repayments for 2025-26. Supports employed, self-employed, and all student loan plans.
Enter values above to see results
Estimates for England, Wales, and Northern Ireland. Scottish income tax rates differ. Does not include pension contributions, benefits-in-kind, tax credits, or employer NI. Verify with HMRC or a qualified tax advisor.
Tax = 20% on £12,571-£50,270 + 40% on £50,271-£125,140 + 45% above + NIPersonal Allowance£12,570 — tapered by £1 for every £2 earned above £100,000Basic Rate20% on income between £12,571 and £50,270Higher Rate40% on income between £50,271 and £125,140Additional Rate45% on income above £125,140NI (Class 1 employee)8% on £12,570–£50,270; 2% above £50,270UK income tax is progressive with a personal allowance (tax-free amount). The personal allowance is withdrawn at £1 for every £2 of income above £100,000, creating an effective 60% marginal rate in the £100,000–£125,140 band. National Insurance is a separate deduction that funds state pension and NHS.
Understanding your UK take-home pay requires calculating income tax, National Insurance, and any student loan repayments together. The 2025-26 tax year brings the same personal allowance of £12,570 but the tapered allowance trap above £100,000 remains a critical planning consideration. This UK income tax calculator handles all employment types and student loan plans in one place.
Enter your annual income, select your employment type (Employed/PAYE, Self-Employed, or Both), and your student loan plan if applicable. The calculator applies 2025-26 UK income tax bands, National Insurance rates, and student loan repayment thresholds to show your complete deductions and net take-home pay.
England/Wales/NI 2025-26 bands: £12,570 personal allowance, 20% basic rate, 8% employee NI.
Net about £35,920 a year — roughly £2,993 a month. Income tax alone is 14.4% of gross; with NI the total deduction is about 20%.
National Insurance is a separate deduction on top of income tax — the combined take is what actually leaves your pay.
This calculator is essential for salary negotiation (understanding the net value of a raise), comparing job offers, planning around the personal allowance trap above £100,000, evaluating employed vs. self-employed income structures, and budgeting accurately for student loan repayments alongside tax.
A major mistake for higher earners is ignoring the personal allowance taper above £100,000, which creates an effective 60% marginal tax rate between £100,000 and £125,140. Making pension contributions can be highly tax-efficient in this range. Also, many self-employed workers underestimate their National Insurance liability, especially Class 4 contributions.
Calculate 2025 US federal income tax using current tax brackets. Shows federal tax, effective rate, marginal rate, taxable income, and monthly take-home.
Calculate your net take-home salary after federal tax, state tax, Social Security, and Medicare deductions. Supports US payroll.
Calculate GST (India) or VAT (UK/EU) on any price. Add tax to net price or extract tax from inclusive price. Supports all GST slabs.