🇬🇧 United Kingdom: VAT & Income Tax 2025/26
Reference figures for the UK 2025/26 tax year. Estimates for educational use — not official tax advice.
United Kingdom take-home pay calculator
£32,320 net / year · £2,693 / month
| Gross | £40,000 | 100% |
| Income tax (PAYE) | −£5,486 | 14% |
| National Insurance | −£2,194 | 5% |
| Net take-home | £32,320 | 81% |
Computed exactly from 2025/26 PAYE bands (personal allowance £12,570, 20/40/45%), employee National Insurance (8% then 2%) and the £100,000 personal-allowance taper. Scottish rates, student loan repayments and salary-sacrifice pensions are not modelled. Full rates for United Kingdom →
Period figures assume £1/12 per month and a standard 40-hour, 5-day, 52-week year. Adjust hours & weeks →
VAT rates
Income tax bands
PAYE 2025/26: personal allowance £12,570; 20% to £50,270; 40% to £125,140; 45% above. Employee NI 8% (£12,570–£50,270) then 2%. Scottish rates differ.
| Band (up to, GBP) | Marginal rate |
|---|---|
| 50,270 | 20% |
| 125,140 | 40% |
| above | 45% |
Personal allowance / tax-free amount: £12,570.
Estimate your take-home
Use the United Kingdom net salary calculator for a full annual / monthly / weekly / hourly breakdown, the salary converter to change hours and weeks, or compare two countries side by side.
Frequently asked questions
How much income tax do you pay in United Kingdom?
There is no tax on the first £12,570. United Kingdom applies marginal income-tax rates from 20% up to 45%. Employee social contributions are deducted on top of income tax — see the take-home calculator above for the combined effect.
What is the VAT rate in United Kingdom?
The standard VAT rate in United Kingdom is 20%, with a reduced rate of 5% for certain goods and services. Use the EU VAT calculator to add or remove VAT at United Kingdom rates.
How accurate are these United Kingdom tax figures?
Computed exactly from 2025/26 PAYE bands (personal allowance £12,570, 20/40/45%), employee National Insurance (8% then 2%) and the £100,000 personal-allowance taper. Scottish rates, student loan repayments and salary-sacrifice pensions are not modelled.
Other countries
🇩🇪 Germany · 🇫🇷 France · 🇮🇹 Italy · 🇪🇸 Spain · 🇳🇱 Netherlands · 🇧🇪 Belgium · 🇮🇪 Ireland · 🇵🇹 Portugal · 🇵🇱 Poland · 🇸🇪 Sweden · 🇦🇹 Austria · 🇩🇰 Denmark · 🇫🇮 Finland · 🇬🇷 Greece · 🇳🇴 Norway · 🇨🇭 Switzerland · 🇨🇿 Czech Republic · 🇷🇴 Romania · 🇭🇺 Hungary · 🇸🇰 Slovakia · 🇸🇮 Slovenia · 🇭🇷 Croatia · 🇧🇬 Bulgaria · 🇱🇹 Lithuania · 🇱🇻 Latvia · 🇪🇪 Estonia · 🇱🇺 Luxembourg · 🇲🇹 Malta · 🇨🇾 Cyprus