UK Income Tax and Salary

Calculates UK take-home pay for an employee in tax year 2025/26 or 2026/27 from HMRC's published rates: income tax by band (England, Wales and NI, or the six Scottish bands incl. the 2026/27 Scottish starter and basic bands), employee Class 1 National Insurance (8% / 2%), student loan repayments (Plan 1, 2, 4, 5 and Postgraduate, with 2026/27 thresholds), and pension by salary sacrifice or relief at source. Applies the Personal Allowance taper above £100,000 (£1 per £2, the 60% trap) and reads tax codes such as 1257L, S1257L, K475, BR and D0. Returns net pay a year, a month and a week. Figures copied from gov.uk and HMRC in Oct 2026.

Compares 1 to 5 UK gross salaries after income tax, National Insurance, student loan and pension for 2025/26 or 2026/27, with the same region, tax code and options for each. Shows net pay a year, month and week, effective and marginal rates, and how much of each pay rise you keep compared with the first salary. Shows when a rise lands in the £100,000 to £125,140 Personal Allowance taper (60% in England, 69.5% in Scotland in 2026/27 with NI). Uses HMRC 2025/26 and 2026/27 rates fetched in Oct 2026.

Returns the official UK income tax bands for 2025/26 or 2026/27, for England, Wales and Northern Ireland or for Scotland (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%), both as taxable-income bands from HMRC's employer tables and as gross-salary bands with the standard £12,570 allowance. Also returns the £100,000 allowance taper, Class 1 NI thresholds and employee rates by category letter, and student loan thresholds for each plan. A figure that is not published is marked unannounced, never guessed. Copied from gov.uk and HMRC in Oct 2026.

Returns the true UK marginal rate on the next pounds of salary in 2025/26 or 2026/27: income tax band rate, employee NI and student loan together, plus the Personal Allowance taper between £100,000 and £125,140 that makes it 60% plus NI in England, Wales and NI and 67.5% plus NI in Scotland's advanced band. Handles salary sacrifice, relief at source, Scottish bands and tax codes. Measured as the change in deductions over the next `step` pounds (default £100). Rates from gov.uk and HMRC, fetched Oct 2026.