Income tax calculator 2025-26, 2024-25 and 2023-24

This handy calculator will show you how much income tax and National Insurance you'll pay in the 2025-26, 2024-25, 2023-24, 2022-23 and 2021-22 tax years, as well as how much of your salary you'll take home.

How to use the Which? income tax calculator

Just enter your salary and find out how much income tax and National Insurance you'll pay in 2025-26.

If you pay income taxes in Scotland, simply hit the 'Do you live in Scotland?' tab to make sure you get the right figures.

You can also use the drop-down arrow to select a previous tax year, including 2024-25, 2023-24, 2022-23, 2021-22, 2020-21, and 2019-20.

Please note this tool makes standard assumptions to estimate your tax breakdown and doesn't take into account other things you pay like pension contributions and student loan repayments that will impact your take-home pay. This calculator assumes you're employed rather than self-employed.

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What are the income tax rates across the UK in 2025-26?

Most people in the UK have a £12,570 tax-free personal allowance.

If you live in England, Wales or Northern Ireland there are three income tax bands and rates above the tax-free personal allowance that apply depending on your income; 

• the basic rate (20% on taxable income between £12,571 and £50,270), 
• the higher rate (40% on taxable income between £50,271-£125,140) and 
• the additional rate (45% on taxable income over £125,140).

If you live in Scotland there are six income tax bands and rates above the tax-free personal allowance in 2025-26:

• the starter rate (19% on taxable income between £12,571-£15,397),
• the Scottish basic rate (20% on taxable income between £15.398-£27,491), 
• the intermediate rate (21% on taxable income between £27,492-£43,662), 
• the higher rate (42% on taxable income between £43,663-£75,000), 
• the advanced rate (45% on taxable income between £75,001-£125,140)
• and the top rate (48% on taxable income over £125,140).  

Income tax rates in Scotland are the same as they were for 2024-25, but the basic and intermediate rate thresholds increased by 3.5%.

Wherever you live in the UK your personal allowance will reduce by £1 for every £2 you earn over £100,000. So, by the time you earn, £125,140, you'll pay income tax on everything you earn and get no personal tax-free allowance.

• Find out more: UK income tax rates 2025-26 

Do your self-assessment tax return with GoSimpleTax

If you are self-employed or have other untaxed income you may need to do a tax return to tell HMRC about it and pay what you owe.

Need a little help? Tackle your 2024-25 tax return with the tax calculator service from GoSimpleTax. It can help you to tot up your tax bill, get tips on where to save and submit your return directly to HMRC.

• Find out more: how to fill in self-assessment tax return