Work out how much income tax you owe using the latest 2025/26 UK tax bands.
Enter your total taxable income
Type your gross annual income — salary, pension, self-employment profit, rental income. Exclude dividends and savings interest, which have separate allowances and rates.
Pick your region
Select England, Wales, Northern Ireland or Scotland. Scottish taxpayers (S-prefix code) use six bands; the rest of the UK uses three. Welsh taxpayers (C-prefix) currently follow English rates.
Read your tax bill band by band
The breakdown shows how much income falls in each band and the tax due on each tranche. Useful for understanding why a pay rise can feel disproportionate at the £50,270 or £100,000 thresholds.
Check the marginal rate
See your marginal rate — the rate on the next pound earned. Between £100,000 and £125,140 this is 60% (67.5% in Scotland) due to Personal Allowance taper. Pension contributions can avoid this zone.
Plan reliefs and allowances
Consider Marriage Allowance (£252 saving), Gift Aid higher-rate reclaim, pension contributions to extend your basic-rate band, and ISAs to shelter savings/dividends from tax.
See income tax breakdown for common salaries.
£105,000 a year after tax in 2026/27 is £70,457.40 net (£5,871.45/month). Personal Allowance taper applies. Full income tax, NI and Scotland breakdown for 2026/27.
£115,000 a year after tax in 2026/27 is £74,257.40 net (£6,188.12/month). Personal Allowance taper applies. Full income tax, NI and Scotland breakdown for 2026/27.
£51,000 a year after tax in 2026/27 is £40,137.40 net (£3,344.78/month). Higher-rate tax applies on £730. Full income tax, NI and Scotland breakdown for 2026/27.
Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.
