Get a clearer view of your income tax.
Use this tax calculator to explore an illustrative estimate of income tax based on your annual income. Understand how taxable income, tax bands and your estimated take-home income can relate to each other.
See your tax picture at a glance.
Enter income details to explore an estimated annual tax position.
Estimate your income tax in a few simple steps.
Enter your annual gross income and select the relevant tax situation. The calculator provides an illustrative estimate to help you understand the basic relationship between income, tax and estimated take-home pay.
Your income details
Adjust the figures to explore different scenarios.This calculator provides an illustrative estimate only. It does not account for every allowance, relief, deduction, National Insurance contribution or individual tax circumstance. Tax rules and thresholds can change.
Based on the figures entered, this is an illustrative estimate of income tax before considering all possible personal circumstances and deductions.
Income tax is generally calculated in bands.
The tax system applies different rates to different portions of taxable income. Your effective tax rate can therefore be different from the highest rate that applies to part of your income.
Tax-free allowance
Where applicable, a portion of income can be covered by a personal allowance before income tax is calculated.
Basic rate
A portion of taxable income can be subject to the basic income tax rate under the applicable rules.
Higher rate
Income above the relevant threshold can be taxed at a higher rate depending on the applicable tax rules.
Additional rate
Higher levels of taxable income can reach the additional rate band where the relevant thresholds apply.
Your tax bill is not simply one percentage of your income.
Income tax is generally progressive, meaning different portions of taxable income can be taxed at different rates. This is why moving into a higher tax band does not normally mean that all of your income is suddenly taxed at the higher rate.
Your actual position can also be affected by allowances, reliefs, pension contributions, benefits and other factors.
Several factors can change your final tax position.
A simple calculator is useful for understanding the fundamentals, but real tax calculations can involve additional details.
Keep these tax considerations in mind.
Tax calculators are useful for estimates, but your personal tax position can involve details that a simple calculation cannot fully capture.
Multiple income sources
Employment, savings, dividends, pensions and property income can interact differently within your overall tax position.
Tax allowances
Different allowances and reliefs can affect the amount of income that ultimately becomes taxable.
Pension contributions
Eligible pension contributions may affect the way taxable income or tax relief is calculated.
Tax year
Rates, thresholds and allowances can change between tax years, so calculations should use the relevant rules.
Employment benefits
Some taxable benefits received through employment can affect your overall taxable income.
Personal circumstances
Individual circumstances can affect allowances, reliefs, reporting requirements and the final amount payable.
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Tax Calculator FAQs
Common questions about estimating income tax and understanding tax calculations.
Understand your tax with a clearer starting point.
Explore an illustrative estimate, learn how income tax works and use related GrowthSmartly resources to understand the wider picture.