UK PAYE Tax Calculator
Estimate your monthly and annual take-home pay under PAYE for the 2025/26 tax year.
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For guidance only — not official financial advice.
Ready
| Breakdown | Amount (£) |
|---|---|
| Income Tax | 0.00 |
| National Insurance | 0.00 |
| Pension Contribution | 0.00 |
| Total Deductions | 0.00 |
PAYE Income Tax & NI Rates 2025–26
For other tax calculations, you may also want to check our Income Tax Calculator, National Insurance Calculator, or Small Business Tax Calculator.
Income Tax (England, Wales & NI)
| Band | Income Range | Tax Rate |
|---|---|---|
| Personal Allowance | £0 – £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
National Insurance (Class 1 – Employees)
| £0 – £12,570 | 0% |
|---|---|
| £12,571 – £50,270 | 10% |
| Above £50,270 | 2% |
PAYE applies to employees and salaried workers. Self-employed individuals use different NI classes. Official HMRC guide: Income Tax Rates.
How PAYE Tax Works
PAYE (Pay As You Earn) is the UK system used by employers to deduct Income Tax and National Insurance from your salary before it is paid to you. Learn more from HMRC: PAYE Tax Explained.
- Personal Allowance is tax-free income.
- Income Tax is applied to your taxable salary using tax bands.
- National Insurance is calculated using Class 1 employee rates.
- Tax code affects how much tax you pay (default is 1257L). HMRC reference: Tax Codes.
- You receive your take-home pay after these deductions.
To calculate both employment and dividend income, try our Dividend Tax Calculator.
PAYE Tax Examples
If you earn income from self-employment as well, use the Self-Employment Tax Calculator for a full combined tax estimate.
- Income Tax: £1,486
- National Insurance: ~£748
- Take-home: ~£17,766
- Income Tax: £5,486
- National Insurance: ~£3,043
- Take-home: ~£31,471
- Income Tax: £17,486+
- National Insurance: ~£4,943
- Take-home: ~£52,571+
Frequently Asked Questions
You may also find our VAT Calculator and Loan Calculator useful for budgeting and business planning.
This UK PAYE Tax Calculator uses the latest 2025–26 HMRC Income Tax and National Insurance thresholds to estimate employee take-home pay. For directors taking salary + dividends, see the Dividend Tax Calculator.