UK income tax calculator
Enter your annual income and pension contributions to see your tax and your band.
Loading the tool…
Processing and privacy: The result is calculated inside your browser and your data is not sent to any server.
How to use it
- Enter annual gross income and annual pension contributions (before tax).
- The result appears straight away and updates as you edit.
- Copy the result, or copy a link that keeps the same values to share it.
How it is calculated
Personal allowance 12,570, reduced by £1 for every £2 above 100,000. Taxable = income − pension − allowance. Tax: 20% on the first 37,700, 40% up to 125,140, 45% above.
Example
Inputs: Annual gross income = 65,000 GBP, Annual pension contributions (before tax) = 3,000 GBP. Result: Annual income tax: 12,232.00 GBP; Personal allowance: 12,570.00 GBP; Taxable income: 49,430.00 GBP.
Limits and caveats
- Not for Scotland, which has its own bands.
- Figures are for 2026/27 and change with the Budget.
- Savings and dividend tax and tax codes other than 1257L are not modelled.
Questions about this tool
When is the personal allowance lost?
It falls by £1 for every £2 above 100,000 and reaches zero at 125,140.
Do pension contributions cut the tax?
Yes, contributions taken before tax reduce taxable income.
Is National Insurance included?
No. Use the UK take-home pay calculator to add National Insurance.