Income Tax Calculator
Calculate UK income tax and net pay from gross annual salary. 2024/25 rates.
Income
UK 2024/25 rates. Excludes NI, pension, student loan.
Your Results
UK income tax only. Does not include NI, pension, or student loan.
What is an Income Tax Calculator?
An income tax calculator estimates how much UK income tax you pay on your gross annual salary and what your net (take-home) pay would be. It uses the current tax year’s bands and rates.
UK Tax Bands 2024/25
| Band | Taxable Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Example
- Gross: £35,000
- Personal allowance: £12,570 (tax-free)
- Taxable: £35,000 - £12,570 = £22,430
- Tax: £22,430 × 20% = £4,486
- Net: £35,000 - £4,486 = £30,514
What This Calculator Excludes
- National Insurance – calculated separately
- Pension contributions – reduce taxable income
- Student loan – repaid via PAYE
- Scotland – different rates apply
Frequently Asked Questions
Is this take-home pay?
No. This shows income tax only. Deduct National Insurance and other deductions for actual take-home pay.
What about the personal allowance?
The first £12,570 of income is tax-free. It may be reduced if you earn over £100,000.
Do Scottish rates apply?
No. This uses UK (rUK) rates. Scotland has different bands and rates.
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