Calculate income tax, National Insurance, and take-home pay for employees, self-employed, and investors using our HMRC rules compliant tax calculators. Plan your tax strategy with IR35 assessments, pension optimization tools, and stay on top of UK tax rules for the 2025-26 tax year.
✓ HMRC Compliant
✓ 2025-26 Tax Year
✓ Free to Use
✓ All Tax Types
Tax Calculator
Self-Employment
Investments
IR35 Assessment
Salary Comparison
Planning Tools
UK Income Tax Calculator 2025-26 - Calculate Take-Home Pay
Calculate your UK income tax, National Insurance contributions, and net take-home pay with accurate HMRC rates for 2025-26 tax year
← Swipe to see all tabs →
Salary
Student Loan
Pension
Bonus
Overtime
Childcare
Salary Sacrifice
Basic Salary Information
£
Scotland has different income tax rates
Enter your HMRC tax code for accurate personal allowance calculation. Supports all UK codes including Scottish (S), Welsh (C), K codes, and emergency codes
£ per year
Student Loan Repayment
If you're still repaying your Student Loan, please select the repayment option that applies to you.
Pension Contributions
%
%
Bonus Payments
£
£
Overtime Payments
£
Childcare Vouchers & Benefits
£
Maximum savings depend on your tax rate
£ per month
Salary Sacrifice Schemes
Salary sacrifice schemes reduce your gross salary before tax and NI are calculated.
£ per month
£ per month
£ per month
Self-Employment Income
£
After expenses and allowances
£
Up to £1,000 tax-free
Dividend Income
£
£
For gross equivalent calculation
Capital Gains Tax
£
Tax Year Comparison
Current Year (2025/26)
Previous Year (2024/25)
Tax Optimization
IR35 Assessment
Answer these questions to assess your IR35 status.
Important Tax Deadlines
31 January 2026
Self Assessment Deadline
File and pay 2024/25 tax return
31 July 2025
Payment on Account
Second payment for 2024/25
5 April 2025
Tax Year End
2024/25 tax year ends
19 May 2025
Corporation Tax
File CT600 for year ending July 2024
Save & Compare Scenarios
Saved Scenarios
Compare Scenarios
Your UK Tax Calculation Results for 2025-26
Gross Annual Income
£0
Adjusted Net Income
£0
Taxable Income
£0
Take-Home (Annual)
£0
Take-Home (Monthly)
£0
Take-Home (Weekly)
£0
Income Tax
£0
National Insurance
£0
Student Loan
£0
Total Deductions
£0
Effective Tax Rate
0%
Marginal Tax Rate
0%
Personal Allowance
£0
UK Salary Tax Breakdown - Income Tax & National Insurance
Component
Annual
Monthly
Weekly
Details
Visual Tax Breakdown Chart - See Your Deductions
Understanding Your Results
Effective Tax Rate
The percentage of your total income that goes to taxes and National Insurance.
Marginal Tax Rate
The rate of tax you would pay on any additional income earned.
Personal Allowance
The amount you can earn before paying Income Tax. Reduced by £1 for every £2 earned over £100,000.
Adjusted Net Income
Your total income minus pension contributions, used to calculate personal allowance tapering.
💰 Want to Keep More of Your Money?
See how you can improve your take-home pay with our salary optimization tool. Discover legal ways to reduce your tax burden and maximize your income.
Tax Year Comparison
Self-Employment Tax Calculator UK 2025-26
Calculate income tax, National Insurance Class 2 & 4, and net profit for self-employed UK taxpayers with trading allowances and business expenses
Business Income
Enter your annual gross income from self-employment
£
Business Expenses
Enter your total allowable business expenses
£
Allowable expenses include: office costs, travel, equipment, professional fees, insurance, marketing, etc.
Tax Year Selection
Select the tax year for your calculation
UK Investment Tax Calculator 2025-26 - Dividends, CGT & Income
Calculate UK tax on investment income including dividends, capital gains, rental property income, and savings interest with current HMRC rates
Employment Income
£
£
Investment Income
£
First £500 is tax-free (dividend allowance)
£
Personal savings allowance: £1,000 (basic rate) / £500 (higher rate)
£
Property Income
£
£
Capital Gains
£
First £3,000 is tax-free (CGT allowance)
CGT rates 2025/26: 18% (basic rate) / 24% (higher/additional rate) for all assets
Tax Year
📋 2025/26 Tax Rates & Allowances
Personal Allowance: £12,570
Dividend Allowance: £500
Property Allowance: £1,000
CGT Allowance: £3,000
Dividend Tax: 8.75% / 33.75% / 39.35%
Income Tax: 20% / 40% / 45%
CGT Rates: 18% / 24% (all assets)
IR35 Assessment Tool UK - Off-Payroll Working Rules Calculator
Assess your IR35 status with HMRC's off-payroll working rules. Evaluate control, substitution, mutuality of obligation, and financial risk for contractors and consultants
⚙️ Control
Who decides how, when, and where you do your work?
How much supervision or direction do you receive?
Who sets deadlines and priorities?
👥 Personal Service & Substitution
Do you have the right to send a substitute to do the work?
Have you actually used a substitute in practice?
Is your personal involvement essential to the contract?
⚖️ Mutuality of Obligation
Is the client obliged to provide you with work?
Are you obliged to accept work offered by the client?
Are you required to work minimum hours?
💼 Financial Risk & Business Reality
How are you paid for your work?
Do you bear financial risk if work goes wrong?
Who provides the equipment and tools needed?
Who bears the cost of business expenses?
🏢 Integration & Part of Organization
How integrated are you with the client's team?
Do you receive employee-type benefits?
What notice period applies for ending the contract?
📋 Important Disclaimers
This tool provides guidance only and is not a substitute for professional tax or legal advice. IR35 determinations depend on the specific facts of each case and contract terms.
HMRC's CEST tool is the official Check Employment Status for Tax service. This assessment should be used alongside CEST and professional advice.
Contract terms matter: The actual contract terms and working practices both influence IR35 status. Ensure your contracts reflect your intended working relationship.
Seek professional advice: For complex situations or high-value contracts, consult with a qualified tax advisor or specialist IR35 consultant.
🔗 Official HMRC Resources:
Use HMRC's Check Employment Status for Tax (CEST) tool for the official determination. This assessment tool should complement, not replace, the official CEST evaluation.
Salary Comparison Tool
Compare multiple salary scenarios to find the optimal compensation package
Scenario 1
Scenario 2
Scenario 3 (Optional)
Tax Planning Tools
Essential tools and deadlines for tax planning and compliance
Tax Deadlines Calendar
Important dates for Self Assessment, PAYE, and Corporation Tax
31 January 2026
Self Assessment Deadline
File and pay 2024/25 tax return
31 July 2025
Payment on Account
Second payment for 2024/25
5 April 2025
Tax Year End
2024/25 tax year ends
31 October 2025
Paper Return Deadline
File paper Self Assessment
Interactive Tax Rate Bands
Explore how different income levels are taxed across the UK tax bands
Advanced Salary Optimization
Find the optimal pension contributions and salary sacrifice amounts to maximize your take-home pay while minimizing tax burden
Your Details
Student Loan
Salary Sacrifice Options
Get Your Personalized Salary Optimization
Fill in your details and click "Optimize My Salary" to see:
• Optimal pension contribution amounts
• Best salary sacrifice strategies
• Maximum tax savings potential
• Detailed breakdown of all scenarios
Real-time HMRC Updates
Latest tax rates, allowances, and regulatory changes from HMRC
Checking updates...
Last updated: Never
Saved Scenarios
View, manage, and compare your saved tax calculation scenarios
UK Tax Calculator Guide 2025-26
🚀 Salary Optimization Strategies 2025-26
Maximize your take-home pay with proven salary optimization techniques. Our advanced optimization tool identifies legal ways to reduce your tax burden and increase your net income.
Pension Optimization: Maximize tax relief through strategic pension contributions
Salary Sacrifice: Reduce tax and NI through childcare vouchers, cycle schemes
Tax Band Management: Stay within optimal tax brackets to minimize rates
Personal Allowance: Preserve allowances for high earners above £100k
How to Calculate UK Income Tax
Our UK income tax calculator uses current HMRC rates for 2025-26. Income tax is calculated on your taxable income after deducting your personal allowance (£12,570). The tax rates are 20% basic rate, 40% higher rate, and 45% additional rate.
Personal Allowance: £12,570 (tapered for high earners)
Basic Rate: 20% on income £12,571 to £50,270
Higher Rate: 40% on income £50,271 to £125,140
Additional Rate: 45% on income over £125,140
National Insurance Contributions 2025-26
National Insurance is paid on earnings above £12,570 per year. Our calculator includes both employee and employer contributions with current rates.
Class 1 Employee: 8% on earnings £12,571 to £50,270, then 2%
Class 1 Employer: 13.8% on earnings above £12,570
Self-Employed Class 2: £3.45 per week (profits over £6,515)
Self-Employed Class 4: 8% on profits £12,571 to £50,270, then 2%
Pension Contribution Tax Relief
Pension contributions provide valuable tax relief. Our pension optimizer calculates the optimal contribution for maximum tax efficiency.
Basic Rate Relief: 20% tax relief on contributions
Higher Rate Relief: Additional 20% via self-assessment
Annual Allowance: £60,000 maximum per year
Employer Contributions: No tax or NI on employer contributions
Tax Planning Tips for 2025-26
Maximize your tax efficiency with these strategies. Our tax planning tools help you optimize your financial position.
Salary Sacrifice: Reduce tax and NI through salary sacrifice schemes
ISA Allowances: Use your £20,000 ISA allowance tax-free
Capital Gains: Utilize your £3,000 CGT allowance
Dividend Allowance: First £500 of dividends tax-free
Why Use Our UK Tax Calculator?
HMRC Compliant Rates
Always up-to-date with current UK tax rates and thresholds
Comprehensive Calculations
Income tax, National Insurance, student loans, and pension contributions
Tax Optimization
Smart recommendations to minimize your tax burden legally
