UK Income Tax & National Insurance 2025/26: Rates, Bands, and Take-Home Pay
Published: 2026-05-16 · 6 min read
UK tax thresholds remain frozen until 2028, meaning more people are being pushed into higher tax bands. Here's what you need to know.
UK Income Tax Rates 2025/26
The personal allowance and basic rate band remain frozen at 2021/22 levels until April 2028.
Income Tax Bands
| Band | Taxable Income | Rate |
|------|---------------|------|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
National Insurance Class 1
| Earnings | Employee Rate |
|----------|-------------|
| Below £12,570/year | 0% |
| £12,57...
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