⚡ Quick Answer
In 2025/26: personal allowance is £12,570 (0% tax), basic rate is 20% up to £50,270, higher rate is 40% to £125,140, additional rate is 45% above £125,140. National Insurance is 8% on earnings £12,570–£50,270 and 2% above.
Income Tax & NI Calculator 2025/26
2025/26 Income Tax Bands (England, Wales & NI)
| Band | Taxable Income | Tax Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571–£50,270 | 20% |
| Higher Rate | £50,271–£125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Source: GOV.UK income tax rates 2025/26 ↗
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