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UK Income Tax & National Insurance Calculator
Your payslip shows what you took home. This tells you why. Income Tax, National Insurance, pension deductions, and student loans — with full England, Scotland, and Wales breakdowns.
See my take-home →
£12,570
Personal allowance
20–45%
Tax rate range
8%
NI main rate
Find out what HMRC charges before your solicitor tells you on completion day. First-time buyers, second homes, and all three UK nations covered.
Calculate now →
Project how your Cash ISA or Stocks & Shares ISA grows over time within the annual £20,000 allowance.
Coming soon
Work out what you'd actually pay each month — not the headline rate on a mortgage advert.
Coming soon
Dreading the January deadline? Run the numbers now and stop guessing what you owe.
Coming soon
Why we made this
GOV.UK is confusing. Most "free" calculators want your email address. We just wanted a thing that worked.
Uses the real numbers
Band by band, year by year — actual HMRC rates, not estimates rounded to the nearest five percent.
Runs entirely in your browser
Everything calculates locally. Nothing is sent anywhere, nothing is stored, no spinner required.
Nothing to sign up for
No account, no email, no cookie consent wall beyond the basics. Type a number, get an answer.
Free, full stop
No paywalled results, no premium tier, no "basic version" nonsense. The full calculation, every time.