UK income tax calculator: calculate your annual Income Tax

This calculator estimates your Income Tax for the UK tax year 2025/26, including the key allowances (Personal Allowance, savings allowances, dividend allowance) and the different bands for Scotland vs the rest of the UK. You typically pay Income Tax when your annual taxable income exceeds your allowances. This includes income from employment, pensions, self-employment profits, some rental income, savings interest (outside ISAs), and dividends (outside ISAs). It starts with your Personal Allowance and reduces it if your adjusted net income is above £100,000. It taxes your remaining income through the correct tax bands (Scottish or rest-of-UK). If you have savings interest, it applies the starting rate for savings and the Personal Savings Allowance first. If you have dividends, it applies the £500 dividend allowance and then the dividend tax rates. If relevant, it applies Marriage Allowance as a final reduction. Practical note: PAYE pays tax through payroll (often monthly) using your tax code, so your real payslip may differ slightly from an annual estimate—especially if income changes mid-year, you have benefits in kind, or your tax code isn’t the standard allowance.