⚡ Quick Answer
2025/26 personal allowance: £12,570. Basic rate: 20% (£12,571–£50,270). Higher rate: 40% (£50,271–£125,140). Additional rate: 45% (above £125,140). Self-assessment deadline: 31 January 2026 (online). Use our income tax calculator for your personal estimate.
Key Tax Dates 2025/26
- 5 April 2026: End of 2025/26 tax year
- 6 April 2026: Start of 2026/27 tax year
- 31 July 2025: Second self-assessment payment on account deadline
- 31 January 2026: Online self-assessment deadline for 2024/25 returns
- 28 February 2026: HMRC late filing penalty rises
Tax Resources
For official HMRC guidance, always use GOV.UK Tax ↗. For free tax help, Citizens Advice ↗ and Low Incomes Tax Reform Group (LITRG) ↗ offer excellent free guidance.
Tax Calculators
Frequently Asked Questions
- File by 31 January even if you can't pay — penalties punish silence, not poverty
- Pension contributions near £60k/£100k thresholds carry outsized value
- Claim the small reliefs — Marriage Allowance, mileage, uniform, professional fees
- Check your tax code after any job or benefit change — wrong codes are common and silent
The Details That Decide Outcomes
Engagement beats avoidance with HMRC: Time to Pay arrangements are routinely granted online for bills under £30,000, whereas ignored deadlines compound at £10/day after three months.
A few pounds of income can cost hundreds in reliefs: crossing £60,000 tapers Child Benefit; £100,000 withdraws the personal allowance at an effective 60% rate. Salary sacrifice near a cliff edge is exceptionally efficient.
The UK tax system quietly rewards paperwork: Marriage Allowance (worth over £1,200 with backdating), uniform and mileage relief, working-from-home relief where eligible — small individually, meaningful stacked.
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