Where your money goes
Your bill, line by line
Income is taxed in a fixed order: earnings, then savings, then dividends, each filling up the bands in turn.
Why you pay what you pay
Sends only the totals above (no names, nothing you typed as text) to our explainer.
The tax you don't see
Some tax on your income is paid before the money reaches you, and some is built into prices. Spending taxes are estimates from the spending figures on the left.
Your rate on the next £1
How much of each extra pound goes in tax, NI, student loan and lost Child Benefit, as rises and everything else stays the same. The marker is you.
Is a pay rise worth it?
What the threshold freeze costs you
The personal allowance and bands have been frozen since April 2021. Assumes prices rose about 28% from April 2021 to April 2026 and rise 2% a year after that.
Where your tax goes
Your direct tax split by government spending shares for 2026/27 (the HMRC Annual Tax Summary method).
Your home and your estate
What you need to do
The UK system vs Economine
An illustration of the rules for England (Wales and Northern Ireland share the income tax bands), not tax advice. It assumes you're a UK resident, paid evenly through the year, with one employer, and that Scottish income tax doesn't apply to you. It doesn't cover tax codes, overseas income, the pension annual allowance taper, losses or every relief. Check anything important with HMRC or a qualified adviser. Rates: uk-tax-rates.js, with a GOV.UK source for each.