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Tax & NI calculator 2025 - 2026

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Select your country and type in your salary to calculate how much tax you pay

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2025 - 2026 Income Tax and NI calculator

Personal Allowance 2025/2026

What is Personal Allowance? Personal Allowance is the portion of your earning where tax is not applied, making that portion of your earning tax free.

Earning Personal Allowance (per year)
If you are earning up to £100,000 £12,570
If you are earning between £100,000 and £125,140 Decreases from £12,570 by 50% of every pound you earn (above £100,000) until it reaches £0
If you are earning £125,140 or more £0
Blind person receive an additional amount of £3130 on top of the personal allowance

Tax Rates 2025/2026

These rates apply to different portions of your earnings

Tax rates for Eng, Wales & N.Ireland

Your earning [per year if you have full standard Personal Allowance] Tax Rate 2025 - 2026 That is
Up to £12,570 No tax taken £0
£12,571 - £50,270 20% Basic rate
£50,271 - £125,140 40% Higher rate
over £125,140 45% Additional rate

Tax rates for Scotland

Your earning [per year if you have full standard Personal Allowance] Tax Rate 2025 - 2026 That is
Up to £12,570 No tax taken £0
£12,571 - £15,397 19% Starter rate
£15,398 - £27,491 20% Basic rate
£27,492 - £43,662 21% Intermediate rate
£43,663 - £75,000 42% Higher rate
£75,001 - £125,140 45% Advanced rate
over £125,140 48% Top rate

National Insurance rate 2025/2026

National Insurance Contribution is payable by everyone, until you have reached the state retirement age. National Insurance pays for your state pension and other state benefits.

These rates below apply to different portions of your earning.

Your Earning
[Per year]
National Insurance Rate That is
Earnings up to £12,570 0% No National Insurance contribution is payable
Earnings between £12,570 and £50,270 8% Salary minus £12,570 = X, 8% of X
Earnings £50,270 or more 2% £50,270 minus £12,570 = £37,700, 8% of £37,700 plus salary minus £50,270 = X, 2% of X

Any feedbacks are welcome. Please email admin@iknowtax.com

Disclaimer: I am not a tax professional, so please do not use this information to make any big decisions. Do consult multiple professionals when making any decisions.