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🇬🇧 UK Income Tax Calculator 2024-25

Calculate your 2024-25 HMRC income tax, Class 1 National Insurance contributions, and estimated take-home pay.

UK Income Tax & NI 2024-25
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Estimated Annual Take-Home Pay
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Gross Salary
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Taxable Income
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Income Tax
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National Insurance
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Student Loan
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Effective Tax Rate
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Income tax as % of gross salary 0%
Pay Period Breakdown
Monthly Take-Home
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4-Weekly
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Weekly
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Daily
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Tax BandTaxable AmountRateTax

2024-25 UK Income Tax Bands

Taxable Income (above personal allowance)BandRate
Up to £37,700Basic Rate20%
£37,701 – £125,140Higher Rate40%
Over £125,140Additional Rate45%

Personal Allowance 2024-25: £12,570 (frozen until April 2028). Tapers by £1 for every £2 earned above £100,000, reaching zero at £125,140.

National Insurance 2024-25 (Class 1 Employee)

Annual EarningsNI Rate
Up to £12,570 (Primary Threshold)0%
£12,571 – £50,270 (UEL)8%
Above £50,2702%

The NI rate was reduced from 10% to 8% in April 2024. The Upper Earnings Limit (UEL) is £50,270 — aligning with the higher rate income tax threshold.

Student Loan Repayment Thresholds 2024-25

PlanThresholdRateWho It Applies To
Plan 1£24,990/yr9%Started uni before 1 Sep 2012 (England/Wales/NI)
Plan 2£27,295/yr9%Started uni on/after 1 Sep 2012 (England/Wales)
Plan 4£31,395/yr9%Scotland
Plan 5£25,000/yr9%Started 2023+ (new students)

Frequently Asked Questions

The standard personal allowance is £12,570 for 2024-25 (frozen until April 2028). This is the amount you can earn before paying income tax. If you earn over £100,000, your personal allowance reduces by £1 for every £2 over £100,000, reaching zero at £125,140.
Employee Class 1 NI was reduced to 8% (from 10%) from 6 April 2024. You pay 8% on earnings between £12,570 and £50,270 per year, then 2% on earnings above £50,270. Your employer also pays 13.8% employer NI on top of this.
Yes. Employer pension contributions and salary sacrifice pension contributions reduce your taxable income, which means you pay less income tax and National Insurance. Personal pension contributions also get basic rate tax relief added directly to your pension pot.
The Marriage Allowance allows you to transfer £1,260 of your personal allowance to your spouse or civil partner. This is available if you earn less than £12,570 and your partner is a basic rate taxpayer. It can save up to £252 per tax year in income tax.
Yes. Scotland has its own income tax rates and bands (set by the Scottish Parliament) which differ from the rest of the UK. Scottish taxpayers pay the Scottish rates on non-savings, non-dividend income. This calculator uses England/Wales/Northern Ireland rates. For Scottish rates, please consult HMRC or Revenue Scotland directly.