💷 UK Take Home Pay 2025/26

See your after-tax salary for any income from £20,000 to £200,000 — income tax and National Insurance included

2025/26 HMRC Rates · Updated July 2026

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Basic rate salaries — up to £50,270
Higher rate salaries — £50,271 to £125,140
Additional rate salaries — over £125,140

How UK income tax works in 2025/26

Personal allowance: The first £12,570 of your salary is tax-free. This tapers to zero for incomes over £125,140.

Basic rate (20%): On income from £12,571 to £50,270.

Higher rate (40%): On income from £50,271 to £125,140.

Additional rate (45%): On income over £125,140.

National Insurance: Employees pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.

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