Tax Calculator
See what you actually take home after income tax and NI — 2025/26 rates.
Result
Tax Calculator — FAQs
How much is £40,000 after tax?
Roughly £5,486 income tax + £2,194 NI leaves ~£32,320/year or £2,693/month — before pension or student loan.
UK income tax bands 2025/26?
0% to £12,570, 20% to £50,270, 40% to £125,140, 45% above. Allowance tapers above £100,000.
Employee NI rate?
8% between £12,570–£50,270, then 2% above (Class 1 primary).
What is the UK personal allowance?
£12,570 tax-free for 2025/26, tapering £1 for every £2 earned above £100,000 — gone entirely at £125,140.
Monthly take-home on £30,000?
Around £2,037/month after ~£3,486 tax and ~£1,394 NI, before pension or student loan deductions.
Why is my payslip different from this calculator?
Common causes: student loan plan, pension (especially salary sacrifice), benefits in kind, non-1257L tax codes, and bonus months annualising tax.
Does this include pension deductions?
Yes — enter your pension percentage. Salary-sacrifice pensions reduce taxable pay; relief-at-source schemes don't.
What does PAYE stand for?
Pay As You Earn — employers deduct income tax and NI each payday and send it to HMRC, based on your tax code.
What is the 1257L tax code?
The standard code — a £12,570 personal allowance spread evenly across pay periods. BR, D0 or K codes mean different treatment.
When do I need to file self-assessment?
If self-employed, have >£100k income, rental income, or untaxed income — register by 5 October, file by 31 January.
Why is gross-to-net different monthly vs annual?
Monthly figures assume even spread of the personal allowance; bonuses, unpaid leave or mid-year starts shift the monthly maths.
Need a Custom Tool Built?
We build calculators, estimators and internal tools for businesses in the UK and North America.
Get a QuoteEmbed this Tax Calculator on your site
Free to use — paste this snippet into any webpage. It auto-resizes and includes a small attribution link. Add ?theme=dark to the iframe URL for dark mode.