Tax calculator

What's the damage? Let's find out.

Estimate your Income Tax and National Insurance for England, Wales and Northern Ireland.

Tax year

Income

Employment income (salary, before tax)

Self-employment profit

Dividend income (£)

Savings interest (£)

Other taxable income (£)

Residential property

Rental income (£)

Allowable property expenses (£)

Mortgage interest (£)

Gift Aid & pensions

Gift Aid donations (what you actually paid)

Personal pension contributions (what you paid, relief at source)

Qualifying payments are grossed up by 25%, extend tax bands and reduce adjusted net income. For salary sacrifice or net-pay pensions, enter salary after the deduction.

Tax already paid

Employment Income Tax deducted through PAYE (£)

Income Tax only — not National Insurance or payments on account.

Child Benefit

Do you or your partner receive Child Benefit?

Estimated total tax · 2025/26

£0

Take-home after tax, donations and pension: £0 · effective rate 0%

Total income£0

Total taxable income£0

Adjusted net income£0

Personal Allowance£12,570

Income Tax (earnings, rent & other income)£0

Dividend tax£0

Savings tax£0

Less mortgage interest tax reduction-£0

Child Benefit clawback£0

Income Tax after reliefs & your clawback£0

Class 4 National Insurance (6% / 2%)£0

Total tax and NI£0

Tax already paid£0

Estimated balance payable£0

Tips for you

Marriage Allowance may help if one partner earns below £12,570 and the other is a basic-rate taxpayer.

An annual estimate only, not tax advice. Excludes Scottish rates, student loans, capital gains, property losses and brought-forward reliefs, and special income or pension rules. Class 1 NI is an annual approximation (11.5% blended in 2023/24); pay periods and combined employment/self-employment NI limits can change the actual bill. Income Tax here excludes the separately shown savings and dividend tax. Taxable income includes income covered by their 0% allowances. Payments on account are excluded.

HMRC tax rates and allowances

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