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Income tax explained

  • Find out how much income tax you have to pay
  • Use our helpful table to work out your income tax
  • Discover what income is completely free of tax
  • Learn how National Insurance and income tax combine

What's in this guide

Income tax bands: how much will you pay?

Which? explains the different income tax thresholds and income tax rates to help you find out how much of your income falls into each band.

National insurance and tax

National insurance is deducted from earnings in addition to tax. Check when you pay - and how much.

Income tax: what it is and who pays it

Which? explains how income tax is deducted from your earnings and how much you can earn without having any tax deducted.

Income tax: how you pay it

Income tax is collected through Pay as you earn (PAYE) and Self-assessment. We help you to understand both systems.

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