United States vs United Kingdom: Tax Comparison

Compare income tax rates and take-home pay between United States and United Kingdom

You'd keep $6,611 more in United States

United States

21.1% tax

United Kingdom

27.7% tax

$551/mo difference

Side-by-side breakdown

United States

2025

21%

Income

Gross Salary$100,000
Standard deduction-$15,750
Taxable Income$84,250

Taxes & Contributions

10% bracket-$1,193
12% bracket-$4,386
22% bracket-$7,870
Social Security tax-$6,200
Medicare hospital insurance tax-$1,450
Total Taxes-$21,099
NET ANNUAL PAY$78,901
Per Month$6,575
Effective Rate21.1%

United Kingdom

2025/26

28%

Income

Gross Salary$100,000
Personal allowance-$17,014
Taxable Income$82,986

Taxes & Contributions

Basic rate-$10,206
Higher rate-$12,783
Class 1 National Insurance (employee)-$4,721
Total Taxes-$27,710
NET ANNUAL PAY$72,290
Per Month$6,024
Effective Rate27.7%

Tax rate by income level

United Kingdom
United States

Understanding the difference

The Take-Home Difference

The US hits you harder on payroll taxes through Social Security and Medicare, but the UK compensates with a steeper income tax bite on mid-to-high earners. A US worker keeps more of their first dollar, while a UK earner pays more once they climb into professional salary territory.

What You're Buying

US taxes fund fragmented services where healthcare is a separate expense; UK taxes bundle healthcare (NHS), public transit, and stronger unemployment protection into one package. You're not just paying tax in the UK, you're pre-funding the safety net.

The Wage Cliff Trap

The UK's personal allowance vanishes entirely above £125,000, creating a brutal effective tax rate zone that doesn't exist in the US system. High earners in the UK should know they hit a wall; Americans climb a gentler slope all the way up.

Who Wins Where

The US wins for early-career workers and those staying local; the UK wins if you value integrated public services and don't mind the higher overall burden. Neither is objectively cheaper, just structured for different priorities.

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