Income Tax Calculator
Calculate your estimated take-home pay for the UK and Ireland. Detailed breakdowns for 2025/26 and 2026 tax years.
Estimate your tax
Your Results
Estimated Take-Home Pay
£39,520
per year
Visual Breakdown
Take-home
79.0%
Income Tax
15.0%
National Insurance
6.0%
Disclaimer: This is an estimate based on UK tax rules for 2025-2026. Actual results may vary based on specific circumstances.
About the Calculator
Our free tool helps you understand your salary after all mandatory deductions. Whether you are an employee in London or Dublin, we provide a clear breakdown of your fiscal obligations and remaining take-home pay.
Legal Disclaimer
This calculator provides estimates only and should not be treated as financial, tax, or legal advice. Always verify your specific details with HMRC, Revenue.ie, or a qualified tax professional.
UK Tax Rates (2025/26)
- • Personal Allowance: £12,570 (tapered above £100k)
- • Basic Rate (20%): £12,571 – £50,270
- • Higher Rate (40%): £50,271 – £125,140
- • Additional Rate (45%): above £125,140
- • National Insurance: 8% (£12,570–£50,270), 2% above
Ireland Tax Rates (2026)
- • Standard Rate (20%): up to €44,000 (single)
- • Higher Rate (40%): above €44,000
- • Tax Credits: €4,000 (personal + employee)
- • USC: 0.5% – 8% tiered on gross income
- • PRSI: 4.2% Class A on income above €18,304
Frequently Asked Questions
How is income tax calculated in the UK?
UK income tax is calculated on your taxable income — your gross salary plus bonuses, minus your personal allowance (£12,570 in 2025/26) and any pension contributions. The remaining income is taxed progressively: 20% on the first £37,700, 40% on income up to £125,140, and 45% above that. Note that the personal allowance is tapered away for incomes over £100,000.
How is take-home pay calculated in Ireland?
In Ireland, take-home pay is calculated by deducting income tax (20% up to the standard rate cut-off, 40% above), USC (Universal Social Charge on tiers from 0.5% to 8%), and PRSI (4.2% Class A) from your gross income. Tax credits — including the personal credit (€2,000) and employee credit (€2,000) — then reduce the raw income tax figure.
What is the personal allowance for 2025/26 in the UK?
The UK personal allowance for 2025/26 is £12,570. This means the first £12,570 of your income is tax-free. If your income exceeds £100,000, the personal allowance is reduced by £1 for every £2 earned above that threshold, and is fully withdrawn at £125,140.
What is National Insurance?
National Insurance (NI) is a UK tax paid by employees, employers, and the self-employed. It funds the State Pension, statutory sick pay, and the NHS. In 2025/26, employees pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above that.
What is PRSI in Ireland?
Pay Related Social Insurance (PRSI) is Ireland's primary social insurance contribution. Most employees pay Class A PRSI at 4.2% on all gross income above €18,304 per year. It funds social welfare benefits including the State Pension, illness benefit, and jobseeker's benefit.
What is USC in Ireland?
The Universal Social Charge (USC) is a tax on gross income in Ireland levied in tiers: 0.5% on the first €12,012, 2% up to €27,382, 3% up to €70,044, and 8% above that. It is calculated on total gross income before pension contributions or tax credits. You are exempt from USC if your total income is €13,000 or less.
Do pension contributions reduce my tax?
Yes. In both the UK and Ireland, contributions to an approved pension scheme reduce your taxable income, meaning you pay less income tax. In Ireland, pension contributions also reduce your income tax base but do not reduce your USC or PRSI liability.
Is this calculator accurate?
This calculator uses the latest tax rates for 2025/26 (UK) and 2026 (Ireland) and produces reliable estimates for standard employment situations. It may not account for specific tax codes, benefit-in-kind income, self-employed arrangements, or marriage tax credits beyond the standard settings. Always verify your specific position with HMRC, Revenue.ie, or a qualified tax professional.