UK Tax Calculators

The personal allowance for 2026/27 is £12,570 for most people. This is the amount of income you can earn before paying income tax. It is reduced by £1 for every £2 of income above £100,000 and disappears entirely at £125,140. Age-related allowances were withdrawn in 2016 — there is no longer a higher allowance for people aged 65 or over.

National Insurance is calculated on earnings above the threshold (£12,570 for employees in 2026/27). The employee contribution rate is 8% on earnings between £12,570 and £50,270, and 2% above that. The self-employed pay Class 4 instead, at 6% and 2% on the same bounds.

Tax credits depend on your income, working hours, and family situation. Working Tax Credit requires you to be working at least 16 hours/week. Child Tax Credit depends on income and number of children. Use our calculator for an estimate.

The effective tax rate varies by income. At £25,000, approximately 18% goes to income tax + NI. At £50,000, approximately 32%. At £100,000, approximately 42% (due to withdrawal of personal allowance).

Yes! Ways include: maximizing pension contributions (reduces taxable income), using ISAs (tax-free savings), claiming all eligible expenses if self-employed, marriage allowance transfer, and appropriate use of dividend tax allowances.