Income Tax Calculator. What HMRC actually takes.
Drag the slider to your gross annual income, pick your region and whether you're employed or self-employed. We apply the right Personal Allowance (tapered above £100k) and the latest bands — live, no submit button.
Your details
£
£015%£300,000
Gross — before tax and National Insurance.Personal Allowance tapers down £1 for every £2 of income above £100,000 — fully gone at £125,140. The effective marginal rate in that £25k band is 60%.
Scotland uses its own 6-band system; everywhere else uses the 3-band UK system.
Self-employed pay Class 4 NIC instead of Class 1.
Annual take-home
£35,920
- Gross income£45,000
- Personal Allowance£12,570
- Income tax−£6,486
- Class 1 NIC−£2,594
- Take-home£35,920
- Personal Allowance£12,570
- Tax£6,486
- NIC£2,594
- Net to you£35,920
Estimator only — assumes no other reliefs (pension contributions, gift aid, marriage allowance, student loan, salary sacrifice). For a tax-optimised position, book a free 30-minute call.