Income Tax Calculator United Kingdom
Estimate the income tax on your salary and see your take-home pay.
Results update as you type.
⚠️ UK income tax 2024-25 (England/Wales/NI). Excludes National Insurance and allowance taper over £100k.
About this calculator
United Kingdom income tax with a tax-free allowance of £12,570 and a top marginal rate of 45%. The figures are a United Kingdom guide only and exclude the other taxes, levies and credits listed in the note below.
An income tax calculator estimates how much tax you owe on your annual income using your country’s tax bands, then shows your take-home pay, effective tax rate and marginal rate. Income tax is almost always progressive: a tax-free allowance is subtracted first, then each band of income above it is taxed at its own rate, and the amounts are added together. That is why earning more never leaves you worse off — only the income inside a higher band is taxed at the higher rate.
For example, suppose the first 12,000 is tax-free, income from 12,000 to 50,000 is taxed at 20% and anything above at 40%. On a 60,000 salary you pay nothing on the first 12,000, 20% on the next 38,000 (7,600) and 40% on the final 10,000 (4,000) — a total of 11,600. That is an effective rate of about 19% even though the top, or marginal, rate you reach is 40%.
Use it to estimate take-home pay when weighing a job offer or a raise, to see how pre-tax deductions such as pension contributions lower your bill, and to understand the gap between your headline salary and what actually lands in your account. Figures are estimates for guidance — always check with your tax authority.
Frequently asked questions
What is the difference between effective and marginal rate?
Your marginal rate is the tax on your next dollar earned — the top band you reach. Your effective rate is total tax divided by total income, which is always lower because earlier income is taxed at lower bands.
Is this my exact tax bill?
No. It is a simplified estimate using the main income tax bands and standard allowance. It excludes credits, social security/National Insurance, local/state tax and special reliefs. Use it for guidance only.
How do pre-tax deductions lower my tax?
Pre-tax deductions such as pension or retirement contributions are subtracted from your income before tax is worked out, so you are taxed on a smaller amount. Enter them under advanced options — a 60,000 income with 5,000 of deductions is taxed as if you earned 55,000.
Does earning more ever leave me with less?
No. Only the portion of income that falls inside a higher band is taxed at that higher rate. A raise that pushes you into a new band still increases your take-home pay — just not by the full amount of the raise.
What is take-home pay?
Take-home (net) pay is your income minus the income tax shown here. Note that real payslips also deduct social security or National Insurance and sometimes local tax, which this simplified estimate does not include.
Why is my effective rate lower than my tax band?
Your tax band, or marginal rate, is the rate on your top slice of income, but your earlier income was taxed at lower rates or not at all. Averaging the tax across all your income gives the effective rate, which is always the lower of the two.
API — use this calculator from code
Call this calculator as a free JSON endpoint — no key required. Send the field values below as query parameters or JSON. Read the full API docs →
Endpoint
GET https://calculator.free/api/v1/income-tax/?country=ukcurl
curl "https://calculator.free/api/v1/income-tax/?income=60000"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/income-tax/?" + new URLSearchParams({
"income": "60000"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.