About Tell My Tax

Tell My Tax is a UK-based financial tool designed to help you clearly understand your salary, deductions, and take-home pay. Our calculators simplify complex payroll and tax calculations, empowering you to make informed financial decisions with confidence.

Understanding Your Salary and Tax

Your total salary comprises basic earnings, bonuses, overtime, taxable benefits, and other income. Below are key terms to help you navigate your finances:

Income Tax Bands (2025/2026)

The UK Government tax bands remain frozen until April 2026:

Band	Taxable income	Tax rate
Personal Allowance	Up to £12,570	0%
Basic rate	£12,571 to £50,270	20%
Higher rate	£50,271 to £125,140	40%
Additional rate	over £125,140	45%

National Insurance (NI)

National Insurance contributions fund state benefits like the State Pension and NHS services. For most salaried employees, the Primary Threshold applies:

Class 1 type	National Insurance thresholds	Rate
Personal Allowance	Up to £12,570	0%
Primary threshold	£12,571 to £50,270	12%
Upper earnings limit	£50,271 to £125,140	2%

Understanding NI is essential because it's a major deduction impacting your take-home pay. Our calculator simplifies this calculation, providing accurate results based on the most relevant thresholds.

Student Loan Repayments (2025/26)

Repayment plans depend on your course start date and location:

Plan	Threshold	Rate	Notes
Plan 1	£26,065	9%	For loans taken before September 2012.
Plan 2	£28,470	9%	For loans taken from September 2012 to July 2023.
Plan 4	£32,745	9%	For Scottish borrowers.
Plan 5	£25,000	9%	For loans taken after August 2023.
Postgraduate	£21,000	9%	For Master's and Doctoral loans.

Thresholds are reviewed annually, and our tools are updated to reflect the latest changes.

Pensions Explained

Pensions provide retirement income and fall into two main types:

Workplace Pension (Auto-Enrolment): Automatically enrolled for eligible workers (earning £10,000+ aged 22+). Minimum 8% contribution (employer at least 3%).
Personal Pension: Managed independently, flexible contributions with tax relief (basic rate 20%, further relief via self-assessment).

Pension Limits (2025/26)	Amount
Annual Allowance	£60,000
Lifetime Allowance	Unlimited

Additional Income Sources & Deductions

Salary Sacrifice: Exchange part of your salary for benefits (e.g., pension contributions, childcare) to lower your taxable income.
Overtime & Bonuses: Subject to standard tax/NI.
Taxable Benefits: Reported annually (Form P11D).
Other Income: Must be declared to HMRC.

How We Calculate

Our calculators are built using the most recent legal guidelines and official data from HM Revenue & Customs (HMRC), UK Government publications, and expert financial analysis. We ensure our tools are accurate, reliable, and up to date by frequently reviewing.