What is the personal allowance for 2025/26?

The standard UK personal allowance for 2025/26 is £12,570, so you pay no income tax on income up to that amount. It is reduced by £1 for every £2 of income above £100,000 and disappears entirely at £125,140.

What are the 2025/26 UK income tax bands?

For England, Wales and Northern Ireland you pay 20% basic rate on taxable income up to £37,700, 40% higher rate from £37,701 to £125,140, and 45% additional rate above £125,140. Scotland uses different bands and rates.

How much National Insurance do employees pay in 2025/26?

Employees pay 8% Class 1 National Insurance on earnings between the primary threshold of £12,570 and the upper earnings limit of £50,270, then 2% on everything above £50,270. Employer NI is separate.

What is the UK standard VAT rate?

The UK standard VAT rate is 20%. A reduced rate of 5% applies to some goods and services, and a zero rate of 0% applies to others such as most food and children's clothing. These rates apply across the United Kingdom.

Are these UK tax calculators free and private?

Yes. All UK tax calculators on ToolPilot are free, need no signup, and run entirely in your browser. Your salary and financial figures never leave your device. Results are planning estimates, not tax advice.

Free UK Tax Calculators 2025/26

Free UK Tax Calculators (2025/26)

Estimate your income tax, employee National Insurance and VAT for the 2025/26 tax year. Each calculator applies the current HMRC thresholds and rates, runs instantly in your browser, and requires no signup.

Quick answer

What are the best free UK tax calculators?

ToolPilot offers three free UK tax calculators for 2025/26: the UK Income Tax Calculator applies the £12,570 personal allowance and 20/40/45% bands, the National Insurance Calculator charges 8% and 2% Class 1 NI, and the VAT Calculator adds or removes 20%, 5% or 0% VAT. All run in your browser with no signup.

How UK income tax and National Insurance work in 2025/26

The UK taxes income progressively. Everyone gets a personal allowance of £12,570, which is tax-free, and above that the basic rate is 20%, the higher rate 40% and the additional rate 45% (England, Wales and Northern Ireland). Earn over £100,000 and the allowance tapers away, so your effective rate rises faster across that range.

National Insurance is separate from income tax. As an employee you pay 8% on earnings between £12,570 and £50,270 and 2% above that. VAT is a consumption tax charged at 20% standard, 5% reduced or 0% on many goods and services.

Which calculator should you use?

Working out your tax bill: use the UK Income Tax Calculator for income tax by band.
Checking your payslip deduction: use the National Insurance Calculator for Class 1 NI.
Invoicing or quoting: use the VAT Calculator to add or remove VAT at 20%, 5% or 0%.

UK Tax Calculators - FAQs

Free UK Tax Calculators (2025/26)

Quick answer

What are the best free UK tax calculators?

How UK income tax and National Insurance work in 2025/26

Which calculator should you use?

Working out your tax bill: use the UK Income Tax Calculator for income tax by band.
Checking your payslip deduction: use the National Insurance Calculator for Class 1 NI.
Invoicing or quoting: use the VAT Calculator to add or remove VAT at 20%, 5% or 0%.

Free UK Tax Calculators (2025/26)

UK Income Tax Calculator

UK National Insurance Calculator

UK VAT Calculator

How UK income tax and National Insurance work in 2025/26

Which calculator should you use?

UK Tax Calculators - FAQs

Free UK Tax Calculators (2025/26)

UK Income Tax Calculator

UK National Insurance Calculator

UK VAT Calculator

How UK income tax and National Insurance work in 2025/26

Which calculator should you use?

UK Tax Calculators - FAQs