If you are concerned by the continuing pressures on your take-home pay and need some certainty on your Income Tax liability, the HMRC calculator available at https://www.gov.uk/estimate-income-tax can be helpful. Alternatively, if you believe you may have overpaid tax, reviewing your position could help you claim a refund.
The 'Estimate your Income Tax' service allows employees to calculate how much Income Tax and National Insurance they are likely to pay for the current tax year (6 April 2025 to 5 April 2026). It is particularly useful for those paid through PAYE, giving a clear picture of expected take-home pay after tax, pension contributions and any student loan repayments.
The tool is straightforward to use, but there are a few important points to keep in mind. If you have more than one job, you will need to run the calculator separately for each source of income. It is also not suitable if your only income comes from state benefits, such as the State Pension.
While the calculator provides a helpful estimate, it does not account for every scenario. For example, certain repayments, such as the Winter Fuel Payment for higher earners are not available on the calculator.
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