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HMRC Tax Calculator UK

An easy-to-use tax calculator to estimate your PAYE, National Insurance, and net take-home pay for the 2025/26 tax year, just like HMRC.

Salary & Pay

Overtime

Enter any overtime pay you receive regularly or as a one-off payment.

Tax & Pension

Student Loan

Select the student loan plan you are on. This will be used to calculate your monthly repayments. Not sure which plan you're on? Check our student loan guide.

Childcare & Child Benefit

Child Benefit

Only select 1 if you are the main claimant.

Any other children you claim for.

If your (or your partner's) adjusted net income is over £60,000, you may have to pay the High Income Child Benefit Charge. Our calculator will estimate this.

Benefits & Allowances

Additional Options

Allowances

Charitable Donations (Monthly)

Your Results

A breakdown of your income and deductions.

Take-Home Pay

£30,533.60

  • Take-Home
    £30,533.60
  • Tax
    £13,972.00
  • NI
    £2,994.40
  • Pension
    £2,500.00
Gross Pay£50,000.00
Income Tax-£13,972.00
National Insurance-£2,994.40
Pension Contribution-£2,500.00

Breakdownannuallymonthlyweeklydailyhourly
Gross Pay£50,000.00£4,166.67£961.54£128.21£25.64
Taxable Income£34,930.00£2,910.83£671.73£89.56£17.91
Income Tax£13,972.00£1,164.33£268.69£35.83£7.17
National Insurance£2,994.40£249.53£57.58£7.68£1.54
Pension£2,500.00£208.33£48.08£6.41£1.28
Take-Home Pay£30,533.60£2,544.47£587.18£78.29£15.66

How Your Pay is Calculated

Our UK income tax calculator follows HMRC's Pay As You Earn (PAYE) system to give you an accurate estimate. Here’s a breakdown of what's included and how it works.

1. Your Tax-Free Allowance

The process starts with your Personal Allowance (usually £12,570), which is the amount you can earn tax-free. Our calculator adjusts this based on your tax code and income, just like the official HMRC tax calculator.

2. Income Tax Deductions

Your earnings above the allowance are taxed in bands. Our calculator uses the latest UK and Scottish tax bands to calculate the correct amount of income tax.

3. National Insurance & More

We then deduct National Insurance, student loan, and pension contributions to give you your final take-home pay. This comprehensive approach makes it a reliable after tax calculator for the UK.

Example: Tax on £50,000 Salary UK

Here's how your tax is calculated on a £50,000 salary (assuming standard 1257L tax code):

Personal Allowance: The first £12,570 is not taxed.
Basic Rate Tax: The income from £12,571 to £50,000 (£37,429) is taxed at 20%. Tax: £7,485.80.
National Insurance: Calculated at 8% on earnings between £12,570 and £50,000. NI: £2,994.40.
Total Deductions: £10,480.20. Your take-home pay is £39,519.80 (before other deductions like pension).

Explore HMRC Topics

Use our other calculators to deep-dive into specific UK taxes and financial planning.

Frequently Asked Questions

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