Free tool · United Kingdom
UK Income Tax Calculator
Estimate your 2025/26 Income Tax, including the tapering Personal Allowance above £100,000. See your effective and marginal rate and a band-by-band breakdown — instantly, no signup.
Frequently asked questions
- What tax year does this use?
- The 2025/26 tax year rates and Personal Allowance for England, Wales, and Northern Ireland, from gov.uk.
- Why does my Personal Allowance disappear above £100,000?
- The Personal Allowance tapers by £1 for every £2 of income above £100,000, reaching £0 at £125,140. Because the tax bands above it stay fixed while the allowance shrinks, income in that £100,000–£125,140 range is effectively taxed at close to 60% — a well-documented quirk of the UK system, not a calculation error.
- Does this apply to Scotland?
- No. Scotland has its own separate income tax bands and rates set by the Scottish Government. This calculator covers England, Wales, and Northern Ireland only.
- Does this include National Insurance?
- No. National Insurance is a separate system from Income Tax, with its own thresholds and rates, and isn't included in this estimate.
- What does "federal-only" mean?
- This calculator estimates national/federal income tax only. It doesn't include US state tax, Canadian provincial or territorial tax, or UK National Insurance — each of those has its own separate rates and rules. Pick your country below to see the full estimate for that system.
- What's the difference between marginal and effective tax rate?
- Your marginal rate is the rate applied to your next dollar of income — the top bracket you reach. Your effective rate is your total tax owed divided by your total income — the average rate you actually pay across every bracket. Effective rate is almost always lower than marginal rate.
- Is this tax advice?
- No. This tool produces an estimate for planning purposes only, based on published tax-year brackets. It doesn't account for credits, itemized deductions, self-employment tax, or your specific circumstances. Talk to a licensed tax professional before making financial decisions.
Estimates only, not tax advice. Covers federal/national income tax for the tax year shown — it does not include state, provincial, or territorial tax, itemized deductions, tax credits beyond what's noted above, or self-employment tax. National Insurance/payroll tax remains out of scope everywhere. Consult a licensed tax professional for guidance specific to your situation.