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UK Income Tax Calculator

If you earn £{{earningsSliders.yearly | number : 0 }} a year, you'll pay £{{incomeTax.yearly | number : fractionSize }} in tax, and you'll take home £{{takeHome.monthly | number : 0 }} every month.

Simple and straightforward UK income tax calculator to calculate exactly how much tax and national insurance you should pay to HMRC based on your income.


Your income (before tax and NI)
£
Weekly hours:
yearly gross
£{{earningsSliders.yearly | number : fractionSize}}

£{{takeHome.monthly | number : 0 }}
monthly net
yearly gross
£{{earningsSliders.yearly | number : fractionSize}}

£{{takeHome.monthly | number : 0 }}
monthly net
INCOME TAX
Tax free:
£{{earningsSliders.yearly | number : fractionSize}} £{{yearlyAllowance | number : fractionSize}}
Earnings in this tax band: £{{taxableAmountBasic | number : fractionSize}}
Tax in this band: £{{yearly_basic_tax_to_display | number : fractionSize}}
£{{yearly_basic_tax_to_display + pension_tax_relief.basic_rate_value | number : 0}} initial tax minus
£{{pension_tax_relief.basic_rate_value | number : 0}} pension tax relief

Earnings in this tax band: £{{taxableWithHighTaxSum | number : fractionSize}}
Tax in this band: £{{highEarningExtraTax | number : fractionSize}}
£{{highEarningExtraTax + pension_tax_relief.higher_rate_value | number : 0}} initial tax minus
£{{pension_tax_relief.higher_rate_value | number : 0}} higher earning
pension tax relief
No tax
Basic tax: 20%
Higher rate tax: 40%
NATIONAL INSURANCE
NI free:
£{{earningsSliders.yearly | number : fractionSize}} £{{nationalInsuranceYearlyThreshold | number : fractionSize}} £{{earningsSliders.yearly | number : fractionSize}}
Earnings in this NI band: £{{ni.above_basic_limit | number : fractionSize}}
NI in this band: £{{ni.deductable_basic | number : 0}}
Earnings in this NI band: £{{ni.above_higher_limit | number : fractionSize}}
NI in this band: £{{ni.deductable_higher | number : 0}}
No NI
{{nationalInsuranceRateA}}% rate NI
{{nationalInsuranceRateB}}% rate NI
yearly gross
£{{earningsSliders.yearly | number : fractionSize}}

£{{takeHome.monthly | number : 0 }}
monthly net
yearly gross
£{{earningsSliders.yearly | number : fractionSize}}

£{{takeHome.monthly | number : 0 }}
monthly net
INCOME TAX
Tax free:
£{{earningsSliders.yearly | number : fractionSize}} £{{yearlyAllowance | number : fractionSize}}
Earnings in this tax band: £{{taxableAmountBasic | number : fractionSize}}
Tax in this band: £{{yearly_basic_tax_to_display | number : fractionSize}}
£{{yearly_basic_tax_to_display + pension_tax_relief.basic_rate_value | number : 0}} initial tax minus
£{{pension_tax_relief.basic_rate_value | number : 0}} pension tax relief

Earnings in this tax band: £{{taxableWithHighTaxSum | number : fractionSize}}
Tax in this band: £{{highEarningExtraTax | number : fractionSize}}
£{{highEarningExtraTax + pension_tax_relief.higher_rate_value | number : 0}} initial tax minus
£{{pension_tax_relief.higher_rate_value | number : 0}} higher earning
pension tax relief
No tax
Basic tax: 20%
Higher rate tax: 40%
NATIONAL INSURANCE
NI free:
£{{earningsSliders.yearly | number : fractionSize}} £{{nationalInsuranceYearlyThreshold | number : fractionSize}}
Earnings in this band: £{{ni.above_basic_limit | number : fractionSize}}
NI in this band: £{{ni.deductable_basic | number : 0}}
Earnings in this band: £{{ni.above_higher_limit | number : fractionSize}}
NI in this band: £{{ni.deductable_higher | number : 0}}
No NI
{{nationalInsuranceRateA}}% rate NI
{{nationalInsuranceRateB}}% rate NI


Year
Month
Week
Day
Hour
Salary
£{{earningsSliders.yearly | number : fractionSize}}
£{{earningsSliders.monthly | number : fractionSize}}
£{{earningsSliders.weekly | number : fractionSize}}
£{{earningsSliders.daily | number : 2}}
£{{earningsSliders.hourly | number : 2}}
Tax
£{{incomeTax.yearly | number : fractionSize}}
£{{incomeTax.monthly | number : fractionSize}}
£{{incomeTax.weekly | number : fractionSize}}
£{{incomeTax.daily | number : 2}}
£{{incomeTax.hourly | number : 2}}
NI
£{{nationalInsurance.yearly | number : 0 }}
£{{nationalInsurance.monthly | number : 0}}
£{{nationalInsurance.weekly | number : 0}}
£{{nationalInsurance.daily | number : 2}}
£{{nationalInsurance.hourly | number : 2}}
Pension
£{{pension.deductable.yearly | number : 0 }}
£{{pension.deductable.monthly | number : 0}}
£{{pension.deductable.weekly | number : 0}}
£{{pension.deductable.daily | number : 2}}
£{{pension.deductable.hourly | number : 2}}
Student loan
£{{student_loan_to_deduct.yearly | number : 0 }}
£{{student_loan_to_deduct.monthly | number : 0}}
£{{student_loan_to_deduct.weekly | number : 0}}
£{{student_loan_to_deduct.daily | number : 2}}
£{{student_loan_to_deduct.hourly | number : 2}}
Take home
£{{takeHome.yearly | number : 0 }}
£{{takeHome.monthly | number : 0 }}
£{{takeHome.weekly | number : 0 }}
£{{takeHome.daily | number : 0 }}
£{{takeHome.hourly | number : 2 }}

Options

Tax year:
2018-2019 (NEW next year) 2017-2018 (current) 2016-2017 (previous)
Weekly hours:
Pension:
%
of income
OR
£
/ month
Student loan:
No Plan 1 Plan 2
Scotland:
No Yes
No NI:
No Yes
The options below will be live from the 1st of Nov 2017
Bonus:
£
/
Overtime:
£
/
Childcare vouchers:
£
/
Age:
Under 65 75-74
Female 60-65 Over 75
Married:
{{ is_blind }}
Blind:
{{ is_blind }}

Compare gross income to other countries' average

Percentage of income you take home

Income tax explained

Use the above income tax calculator to calculate your tax, national insurance and take home pay based on the amount you are earning. In our example above, you are earning £{{earningsSliders.yearly | number : fractionSize}} a year. Now let's break down this sum and see how your tax and national insurance is calculated.


How your tax is calculated

Every person in the UK has a personal tax allowance of £{{yearlyAllowance | number : fractionSize}} this financial year ({{tax_year}}-{{tax_year*1 + 1}}), which means that for the first £{{yearlyAllowance | number : fractionSize}} that you are earning, you'll pay no tax. That income can be from one or multiple jobs - just don't forget to add all the income sources together. As you can see in the slider above, there are different tax bands. From 0 to £{{yearlyAllowance | number : fractionSize}} you'll pay no tax, from £{{yearlyAllowance | number : fractionSize}} to £{{yearlyAllowance + highTaxLimit | number : fractionSize}} you'll pay {{basicTax}}% tax, and from £{{yearlyAllowance + highTaxLimit | number : fractionSize}} to £{{yearlyAllowance + highestTaxLimit | number : fractionSize}} you'll pay {{highTax}}% tax.

In the example from our calculator above, you are earning £{{earningsSliders.yearly | number : fractionSize}} a year. Because your earnings are below your yearly allowance of £{{yearlyAllowance | number : fractionSize}}, you'll pay no tax. Out of this sum, you'll pay the basic rate of {{basicTax}}% tax on £{{taxableAmountBasic | number : fractionSize}} (£{{earningsSliders.yearly | number : fractionSize}} minus your personal allowance of £{{yearlyAllowance | number : fractionSize}}, up to the higher earnings limit of £{{yearlyAllowance + highTaxLimit | number : fractionSize}}): £{{yearly_basic_tax_to_display | number : fractionSize}} basic rate tax will be deducted. Because you are earning below the higher rate tax limit of £{{yearlyAllowance + highTaxLimit | number : fractionSize}}, you'll pay no higher rate tax. Because you are earning above the higher rate tax limit of £{{yearlyAllowance + highTaxLimit | number : fractionSize}}, you'll also pay higher rate tax on £{{taxableWithHighTaxSum | number : fractionSize}} (£{{earningsSliders.yearly | number : fractionSize}} minus the higher rate limit of £{{yearlyAllowance + highTaxLimit | number : fractionSize}}) at {{highTax}}% - £{{highEarningExtraTax | number : fractionSize}} higher rate tax will be deducted.

A simplified illustration of your tax:

  • You'll pay no tax on the first £{{yearlyAllowance | number : fractionSize}} that you're earning.
  • You'll pay £{{yearly_basic_tax_to_display | number : fractionSize}} tax on £{{taxableAmountBasic | number : fractionSize}} (at {{basicTax}}%)
  • You'll pay no basic rate tax
  • You'll pay no higher rate tax
  • You'll pay £{{highEarningExtraTax | number : fractionSize}} tax on £{{taxableWithHighTaxSum | number : fractionSize}} (at {{highTax}}%)
  • Total tax paid: £{{incomeTax.yearly | number : fractionSize}}


How is your National Insurance calculated

You won't pay any National Insurance if you earn below £{{nationalInsuranceYearlyThreshold | number : fractionSize}} a year. For any earnings above £{{nationalInsuranceYearlyThreshold | number : fractionSize}} you'll have to pay National Insurance, at the rate of {{nationalInsuranceRateA}}%. Also, if you earn above £{{nationalInsuranceUpperLimit | number : fractionSize}}, your National Insurance will drop to {{nationalInsuranceRateB}}%, but only for the sum above that limit. For the sum below this limit of £{{nationalInsuranceUpperLimit | number : fractionSize}}, you'll still pay the normal rate of {{nationalInsuranceRateA}}%.

In your example, from your total salary of £{{earningsSliders.yearly | number : fractionSize}} you are earning a total sum of £{{ni.above_basic_limit | number : fractionSize}} above the National Insurance threshold that qualifies for the {{nationalInsuranceRateA}}% rate National Insurance, which means you will pay £{{ni.deductable_basic | number : 0}} normal rate National insurance. Also, because you are earning above the higher rate NI threshold of £{{nationalInsuranceUpperLimit | number : fractionSize}} a total sum of £{{ni.above_higher_limit | number : fractionSize}} will qualify for {{nationalInsuranceRateB}}% National Insurance. Because you are earning below the higher thershold limit of £{{nationalInsuranceUpperLimit | number : fractionSize}} you will pay no National Insurance in the band of {{nationalInsuranceRateB}}%. In your example, your total salary of £{{earningsSliders.yearly | number : fractionSize}} is below the National Insurance threshold of £{{nationalInsuranceYearlyThreshold | number : fractionSize}}, thefore you won't pay any national insurance.

A simplified breakdown of your National Insurance:

  • You'll pay no NI on the first £{{nationalInsuranceYearlyThreshold | number : fractionSize}} that you're earning.
  • You'll pay £{{ni.deductable_basic | number : 0}} NI on £{{ni.above_basic_limit | number : fractionSize}} (at {{nationalInsuranceRateA}}%)
  • You'll pay no National Insurance
  • You'll pay no second band NI (at the {{nationalInsuranceRateB}}% rate)
  • You'll pay £{{ni.deductable_higher | number : 0}} NI on £{{ni.above_higher_limit | number : fractionSize}} (at {{nationalInsuranceRateB}}%)
  • Total NI paid: £{{ni.deductable_higher + ni.deductable_basic | number : 0}}

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