UK Income Tax Calculator (2024/25)
Estimate your take-home pay after Income Tax and National Insurance for the 2024/25 tax year.
Estimates only — 2024/25 UK tax year values.
Ready
Monthly Take-Home £0.00
Annual Take-Home £0.00
Effective Tax Rate 0%
| Breakdown | Annual (£) |
|---|---|
| Gross Salary | £0.00 |
| Pension | £0.00 |
| Income Tax | £0.00 |
| National Insurance | £0.00 |
| Net Income | £0.00 |
Income Tax & National Insurance Rates 2024/25
Income Tax Bands (England, Wales & Northern Ireland)
| Band | Income Range | 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 (Employee Class 1)
| £0 – £12,570 | 0% |
|---|---|
| £12,571 – £50,270 | 8% |
| Above £50,270 | 2% |
These apply to employment income only. Scotland has separate tax bands.
How UK Income Tax Works (2024/25)
Income Tax and National Insurance are deducted at source through PAYE. Your tax bill depends on your total annual income and tax code.
- Personal Allowance gives you £12,570 tax-free income.
- Income Tax is calculated across multiple bands.
- NI is calculated separately and reduces your take-home pay.
- Tax code 1257L is standard for most employees.
- Higher earners lose Personal Allowance gradually from £100,000 upwards.
This calculator applies all 2024/25 HMRC thresholds automatically.
2024/25 Income Tax Examples
Salary: £20,000
- Income Tax: £1,486
- NI: ~£600
- Take-home: ~£17,900
Salary: £40,000
- Income Tax: £5,486
- NI: ~£2,100
- Take-home: ~£32,400
Salary: £80,000
- Income Tax: ~£17,500
- NI: ~£4,300
- Take-home: ~£58,200
Frequently Asked Questions
Yes — the government kept Income Tax bands frozen for 2024/25.
Yes — Scotland uses its own Income Tax rates for earned income.
This UK Income Tax Calculator uses official HMRC 2024/25 Income Tax and National Insurance thresholds for employees in England, Wales and Northern Ireland.