🇬🇧 UK Income Tax Calculator
Calculate your UK income tax, National Insurance, and take-home pay for the 2024/2025 tax year.
You do not pay National Insurance after State Pension age
UK Income Tax Calculator
Enter your gross income and tax details to calculate your net salary.
Understanding Your UK Tax
Personal Allowance
The amount you can earn tax-free each year. Currently £12,570 for most people, reduced for high earners.
Income Tax
Progressive tax on earnings above your Personal Allowance. Rates range from 20% to 45%.
National Insurance
Contributions that fund the NHS, state pension, and other benefits. Currently 8% on most earnings.
Tax Bands & Rates (2024/25)
Income tax is charged at different rates depending on your earnings.
National Insurance Rates
Employee NI contributions for 2024/25 tax year.
- 0%Below £12,570/yearNo NI contributions on earnings below the Primary Threshold.
- 8%£12,570 - £50,270/yearMain NI rate on earnings between Primary Threshold and Upper Earnings Limit.
- 2%Over £50,270/yearReduced rate on earnings above the Upper Earnings Limit.
Frequently Asked Questions
What is the Personal Allowance?
The Personal Allowance is the amount of income you can earn before paying Income Tax. For the 2024/25 tax year, this is £12,570. If you earn over £100,000, your Personal Allowance is reduced by £1 for every £2 of income above £100,000.
When do I pay National Insurance?
You pay National Insurance contributions if you're employed and earn over £12,570 a year. You stop paying NI when you reach State Pension age, even if you're still working.
What is the difference between Scottish and UK tax rates?
Scottish taxpayers pay Income Tax at different rates set by the Scottish Parliament. Scotland has more tax bands with lower thresholds, which can result in slightly higher tax for some earners.
How does the Personal Allowance taper work?
If you earn over £100,000, your Personal Allowance is reduced by £1 for every £2 over this threshold. This means if you earn £125,140 or more, you have no Personal Allowance at all. This creates an effective 60% tax rate on income between £100,000 and £125,140.