UK Income Tax & NI Calculator
🔒 Runs in your browser — 100% private
Calculate UK Income Tax and National Insurance online for free from your gross salary, using 2025/26 bands (England, Wales & NI). Runs entirely in your browser — nothing you enter is uploaded.
Uses 2025/26 Income Tax bands and Class 1 National Insurance for England, Wales and Northern Ireland. Scotland has different tax bands — this doesn't cover those. Always verify current figures at gov.uk.
How to use uk income tax & ni calculator
- Enter your gross annual salary
Before any deductions.
- Calculate
See your Income Tax, National Insurance and net pay.
Formula & methodology
Personal Allowance £12,570, tapered £1 for every £2 earned above £100,000 (gone entirely above £125,140). Income Tax: 20% up to £50,270, 40% up to £125,140, 45% above (bands adjusted down as the allowance tapers). National Insurance (Class 1): 8% between £12,570 and £50,270, 2% above.
Example: £45,000 gross salary — Personal Allowance stays at £12,570 (no taper below £100,000), so £32,430 is taxable, all in the 20% band → £6,486 Income Tax. NI: (£45,000 − £12,570) × 8% = £2,594.40. Take-home ≈ £35,920/year.
Quick reference
| Gross salary | Income Tax | National Insurance | Take-home |
|---|---|---|---|
| £30,000 | £3,486 | £1,394 | £25,120 |
| £45,000 | £6,486 | £2,594 | £35,920 |
| £60,000 | £11,432 | £3,211 | £45,357 |
| £100,000 | £27,432 | £4,011 | £68,557 |
Features
Rates and thresholds are inputs you can change, not hidden constants.
Calculates locally with no sign-up or server request.
Your financial details are never uploaded.
Supported formats and limitations
Text and structured input supported by this tool.
Use cases include personal workflows, content preparation, and quick checks. Review output before relying on it for legal, financial, accessibility, or production decisions.
Frequently asked questions
Does this include the Personal Allowance taper?
Yes — for income over £100,000, the £12,570 Personal Allowance reduces by £1 for every £2 earned above that, reaching zero at £125,140.
Does this cover Scotland?
No — Scotland sets its own Income Tax bands (Scottish Income Tax), which differ from the rest of the UK. This calculator uses England/Wales/Northern Ireland bands only.