UK Income Tax Calculator 2025-26
Calculate your UK income tax for the fiscal year 2025-26. Includes: Personal Allowance, National Insurance, and Student Loans. Applies to England/Wales/Northern Ireland or Scotland.
Income Details
Salary Summary
Tax Details
Income Tax - England/Wales/NI
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| Personal Allowance | 0.00% | £12,571.00 | £0.00 |
| Basic Rate | 20.00% | £37,430.00 | £7,486.00 |
| Total Income Tax | £37,430.00 | £7,486.00 | |
Annual Deductions Summary
Come utilizzare UK Income Tax Calculator 2025/26
Inserisci il reddito annuale lordo
Indica il tuo stipendio annuale lordo in sterline (GBP). Include salario base, bonus e overtime.
Seleziona regione e tipo di impiego
England/Wales/NI o Scotland (scaglioni diversi). Employed (PAYE) o Self-Employed (Class 2/4 NI).
Configura deduzioni opzionali
Contributi pensione (riducono il reddito imponibile) e piano di rimborso student loan.
Analizza il risultato
Visualizza Income Tax, National Insurance, Student Loan e net pay mensile/settimanale.
Suggerimenti
- Nella fascia GBP 100,000-125,140 l'aliquota marginale effettiva e del 60% (40% tax + 20% PA tapering). Contributi pensione in questa fascia sono particolarmente vantaggiosi.
- Se guadagni appena sopra GBP 50,270, considera contributi pensione per restare nella basic rate band (20% vs 40%).
- Self-employed: il NI totale (Class 2 + Class 4) e generalmente inferiore al Class 1 dei dipendenti.
Domande frequenti
What is the personal allowance tapering?
Personal Allowance (GBP 12,570) reduces by £1 for every £2 of income above £100,000. At £125,140 the PA is zeroed out, creating an effective marginal rate of 60% in the 100K-125K bracket.
What's the difference between England and Scotland?
Scotland has 6 tariff bands (19%-48%) compared to England's 3 (20%-45%). Scotland taxes higher middle incomes more but initial bands are similar.
How does National Insurance work?
For employees (Class 1): 8% between £12,570 and £50,270, plus 2%. For self-employed: Class 2 (£3.45/week) + Class 4 (6% between £12,570 and £50,270, plus 2%).
What student loan plan do I have?
Plan 1: Pre-2012 loans. Plan 2: Loans after 2012 (England/Wales). Plan 4: Scottish loans. Plan 5: Loans after 2023. Postgrad: Separate Master/PhD loan.
Do pension contributions reduce taxes?
Yes, pension contributions are deducted from gross income before calculating Income Tax and NI, reducing both.