Smart Web Apps UK Income Tax Calculator (2025/26)
Category

UK Income Tax Calculator (2025/26)

Estimate UK Income Tax for the 2025/2026 tax year (6 April 2025 to 5 April 2026) with a clear band breakdown and formulas. Choose England/Wales/Northern Ireland (rUK) or Scotland and model Personal Allowance tapering above £100,000.

Enter income and options, then click Calculate.
Scotland uses different Income Tax rates/bands on non-savings/non-dividend income.
This tool treats income as “adjusted net income” for the Personal Allowance taper rule (simplified).
Eligibility is not enforced (rules vary). Use for planning and confirm via HMRC guidance.
Results
Estimated Income Tax
—
Effective rate (tax ÷ income)
—
Intermediate values
Band breakdown
Rate Taxable slice Tax
Formulas

Tool description

This tool estimates UK Income Tax for the 2025/26 tax year using the rates/bands provided in your prompt: rUK (England/Wales/Northern Ireland) and Scotland (separate bands). It includes the Personal Allowance taper rule above £100,000 (reduced by £1 for every £2, reaching £0 at £125,140).

How to use

  1. Select your region: rUK or Scotland.
  2. Enter annual income.
  3. Optionally apply additional allowances.
  4. Click Calculate to see totals and per-band breakdown.

Why it’s useful

  • Estimate Income Tax quickly for planning and budgeting.
  • Understand how Personal Allowance tapering affects taxable income.
  • Compare Scotland vs rUK band effects.

Use cases & interpretation

  • Salary planning: model how a raise impacts tax bands.
  • High income: see the effect of allowance tapering over £100,000.
  • Region comparison: compare Scotland’s bands to rUK.

FAQs

No. This tool estimates Income Tax only. NI, student loan, pension contributions, dividends/savings, and other rules are out of scope for this version.

Standard Personal Allowance is £12,570. For income over £100,000, it is reduced by £1 for every £2 above £100,000, down to £0 at £125,140.
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Data (2025/26)
Data last updated: 2026-02-24 (provided by user)
Tax year: 6 April 2025 → 5 April 2026
Personal Allowance: £12,570 (tapered after £100,000; £0 at £125,140)
Blind Person’s Allowance: +£3,130
Marriage Allowance transfer: ±£1,260