Estimate your annual and monthly take-home pay for 2025/26 (England, Wales & Northern Ireland). Includes Income Tax across all bands, Class 1 NI, pension deductions, student loan repayments, and Marriage Allowance. For official figures use the HMRC Income Tax Estimator on GOV.UK →
| Band | Taxable Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
| Band | Taxable Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter Rate | £12,571 – £15,397 | 19% |
| Scottish Basic | £15,398 – £27,491 | 20% |
| Intermediate | £27,492 – £43,662 | 21% |
| Higher Rate | £43,663 – £75,000 | 42% |
| Advanced Rate | £75,001 – £125,140 | 45% |
| Top Rate | Over £125,140 | 48% |
| Threshold | Annual (approx) | Rate |
|---|---|---|
| Lower Earnings Limit | £6,396 | 0% (NI credit) |
| Primary Threshold (employee) | £12,570 | 0% → 8% |
| Upper Earnings Limit | £50,270 | 8% |
| Above UEL | Over £50,270 | 2% |
| Secondary Threshold (employer) | £9,100 | 13.8% |