UK Income Tax Calculator 2025/26
All Allowances, NI, Pension, HICBC & Dividends
Step 1 — Income Details
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Step 2 — Allowances & Reliefs
Personal Allowance Adjustments
Pension Contributions
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Salary sacrifice reduces gross income (NI savings too). Personal pension contributions get basic rate relief added by provider; higher-rate taxpayers claim extra via Self Assessment.
Gift Aid Donations
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Gift Aid extends your basic-rate band and reduces adjusted net income. Basic rate relief goes to charity; higher-rate relief claimed on Self Assessment.
Other Deductions
Step 3 — Student Loans & Child Benefit
⚠️ High Income Child Benefit Charge (HICBC): If income exceeds £60,000, you must repay 1% of child benefit per £200 over £60,000. Full repayment at £80,000.
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Annual Take-Home
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Income Tax
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National Insurance
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Monthly Net
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Effective IT Rate
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Marginal IT Rate
Full Payslip Breakdown
Income Tax Bands 2025/26
| Band | Income Range | Rate | Tax in Band |
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National Insurance 2025/26 (Class 1 Employee)
| Threshold | Annual Range | Rate | Your NI Here |
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Disclaimer: For England/Wales/NI income tax. Scottish rates shown when selected. Covers PAYE employment income, dividends, rental, and savings interest. Does not cover all Self Assessment scenarios. For official calculation, see gov.uk/estimate-income-tax or HMRC’s online calculator.
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Enter your income details
Complete UK tax calculator — PAYE, NI, dividends, rental, pension, student loans, marriage allowance, Gift Aid, and HICBC.