UK Income Tax Calculator 2025/26(Rest of UK)
Free, no-signup calculator for UK income tax, National Insurance and take-home pay. Enter your salary, self-employment profits, rental income, dividends and more to see what you owe HMRC for Self Assessment 2024/25, 2025/26 or 2026/27.
Guidance, not advice. This calculator runs the rules as published, it doesn't assess your circumstances. Your actual tax may be affected by factors it doesn't cover (allowances used elsewhere, reliefs, marriage allowance, scheme-specific adjustments). Always seek financial or tax advice from your accountant, or contact HMRC. Read our editorial scope →
About You
Let's start with some basic information to calculate your tax correctly.
Which tax year are you calculating for?
Where do you pay income tax?
UK Resident for Full Year
Were you a UK tax resident for the entire tax year?
Foreign Income
Do you have income from outside the UK?
Trust or Estate Income
Do you receive income from a trust or deceased person's estate?
Remittance Basis
Are you claiming the remittance basis for foreign income?
Date of Birth
Used to determine eligibility for certain allowances
Blind Person's Allowance
Are you registered as blind or severely sight impaired?
Marriage Allowance
Transfer allowance between spouses/civil partners
What this calculator includes
- PAYE salary and wages (from your P60)
- Self-employment profits (sole traders, freelancers)
- UK property income (rental profits)
- Savings interest (with Personal Savings Allowance)
- Dividend income (with Dividend Allowance)
- Student loan repayments (Plans 1, 2, 4 and Postgraduate)
- Pension contributions and Gift Aid relief
- SEIS, EIS and VCT tax relief
How we calculate your tax
Personal Allowance
Everyone gets £12,570 tax-free, but this tapers by £1 for every £2 earned above £100,000. If you earn £125,140 or more, your Personal Allowance is zero.
Income Tax Bands
Basic rate (20%) applies to the first £37,700 of taxable income. Higher rate (40%) applies up to £125,140. Additional rate (45%) applies above that. These are rest-of-UK rates for England, Wales and Northern Ireland.
National Insurance
Self-employed individuals pay Class 2 (flat rate) and Class 4 (percentage of profits above £12,570). PAYE employees have National Insurance deducted automatically by their employer.
Savings and Dividends
Savings have a Personal Savings Allowance (£1,000 for basic rate taxpayers, £500 for higher rate, £0 for additional rate). Dividends have a £500 allowance for 2024/25 onwards, taxed at 8.75%, 33.75% or 39.35% depending on your band.
Student Loans
Repayments are calculated based on your loan plan type and the relevant threshold. Plan 1, Plan 2, Plan 4 and Postgraduate loans each have different thresholds and repayment rates.
Frequently asked questions
Related tools
Dividend Tax Calculator
Calculate tax on dividend income
Capital Gains Tax Calculator
Estimate CGT on property or shares
About TaxKiln
Learn more about our tools
These calculations are estimates only and should not be considered tax advice. Always consult a qualified accountant for complex situations. Read our full disclaimer