UK Tax Rates 2025-2026

Complete reference for all UK tax rates, thresholds, and allowances for the 2025-2026 tax year. Everything you need to understand how much tax you'll pay.

Personal Allowance

£12,570

Basic Rate Tax

20%

Higher Rate Tax

40%

NI Standard Rate

Tax Rates 2025-2026

Overview

Complete overview of all UK tax rates, thresholds, and allowances for the current tax year.

Income Tax Explained

Understand the UK tax bands from £12,570 personal allowance to the 45% additional rate.

National Insurance Rates

Learn about NI contributions at 8% and 2% rates and how they work.

Student Loan Thresholds

All student loan plans (1, 2, 4, 5, Postgraduate) with repayment thresholds and rates explained.

Scottish Income Tax

The 6-band Scottish tax system with rates from 19% to 48%, and how it compares to England, Wales & NI.

Tax Codes Explained

Decode your tax code including 1257L, BR, D0, D1, NT, K codes, and emergency tax codes.

Key Tax Information for 2025-2026

Tax Year Dates

The 2025-2026 tax year runs from 6 April 2025 to 5 April 2026. All rates and thresholds apply for this period.

Regional Differences

Scotland has its own income tax system with 6 bands (19% to 48%). England, Wales, and Northern Ireland share the same 3-band system.

Personal Allowance Taper

If you earn over £100,000, your personal allowance reduces by £1 for every £2 earned above this threshold.

Multiple Deductions

Remember that income tax, National Insurance, and student loan repayments all come out of your gross salary.

Calculate Your Take-Home Pay

Now that you know the rates, use our calculator to see exactly how much you'll take home based on your specific circumstances.

Calculate Your Salary Read Our Tax Guides