United Kingdom Tax Calculator (2026)
Income tax rates and take-home pay for United Kingdom
Using London for state/regional taxes. Region selection coming soon.
United Kingdom Income Tax Brackets (2025-26)
| Bracket | Income Range | Rate |
|---|---|---|
| Basic Rate | £0 - £37,700 | 20.0% |
| Higher Rate | £37,700 - £112,570 | 40.0% |
| Additional Rate | £112,570+ | 45.0% |
Personal allowance: £12,570 (tapers above £100,000)
National Insurance (Class 1 Employee)
| Bracket | Income Range | Rate |
|---|---|---|
| Lower Earnings Limit / Primary Threshold | £0 - £12,570 | 0.0% |
| Main Rate | £12,570 - £50,270 | 8.0% |
| Upper Rate | £50,270+ | 2.0% |
Key Facts
Tax Year
2025-26
Currency
GBP
Top Rate
45.0%
Brackets
3 brackets
Allowance
£12,570
Social Contributions
1 item
Assumptions
- · 2025/26 tax year rates for England, Wales, and Northern Ireland used for national income tax.
- · London selected as representative region; however, no regional income tax applies (rest of UK rates).
- · Personal allowance tapers by £1 for every £2 of income exceeding £100,000.
- · National Insurance Class 1 (Employee) rates applied for standard employees.
- · Council tax is excluded as it is property-based rather than income-based.
- · Self-employed contributions (Class 2 and Class 4 NICs) are excluded per the worker profile.
Frequently asked questions
How much income tax will I pay in the UK?
The UK uses a progressive tax system with three income tax brackets: 20% on income up to £37,700 (basic rate), 40% on income from £37,700 to £112,570 (higher rate), and 45% on income above £112,570 (additional rate). You also receive a personal allowance of £12,570, which means you don't pay tax on the first £12,570 of your income. If you earn over £100,000, your personal allowance gradually reduces by £1 for every £2 of income above that threshold.
What is National Insurance and do I have to pay it?
National Insurance is a social contribution system separate from income tax. As an employee, you pay Class 1 National Insurance contributions: 0% on earnings up to £12,570, 8% on earnings from £12,570 to £50,270, and 2% on earnings above £50,270. These contributions are mandatory for employees and are deducted from your salary alongside income tax.
How much will I actually take home after taxes and National Insurance?
Your take-home pay depends on your gross salary, but you'll pay both income tax and National Insurance contributions. For example, someone earning £50,000 would pay approximately £9,100 in income tax and £3,000 in National Insurance, leaving them with around £37,900 take-home pay. Use our calculator above to see your exact take-home amount based on your specific salary.
Are there regional income taxes in the UK like in other countries?
No, there are no regional or state income taxes in the UK. Income tax rates are the same across England, Wales, Northern Ireland, and Scotland (though Scotland has slightly different brackets that are not shown here). London and other cities do not have additional local income taxes, so your tax liability depends only on your gross income and the national brackets.
What happens to my personal allowance if I earn a high salary?
If your income exceeds £100,000, your personal allowance tapers; you lose £1 of your allowance for every £2 you earn above that threshold. This means high earners effectively face a marginal tax rate higher than the standard bracket rate until the allowance is completely eliminated. For example, someone earning £125,140 would have their personal allowance reduced to zero.
Compare United Kingdom with other countries
Compare United Kingdom with another country
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