Effective salary tax rate calculator UK
Show annual Income Tax and employee NI as shares of gross employment income. Check the formula, worked example and limits before using your own figures.
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Combined effective tax and NI rate
Inputs changed. Select Calculate result to update your estimate.
Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. 2026/27 standard category A annual model. No pension, loans or benefit effects. This average rate is different from the marginal rate on the next pound.
How the effective salary tax rate calculator uk works
Effective rate = annual deduction ÷ gross income × 100.
UK data and rules
2026/27 data · Checked 16 October 2026. Rules are a dated snapshot, not a live feed.
- HMRC — Income Tax rates and allowances
- HMRC — Scottish Income Tax
- HMRC — 2026/27 employer rates and thresholds
Read about data coverage and updates
Worked example: effective salary tax rate
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Annual employment income (£)
- 45,000
- Country for tax purposes
- England
Combined effective tax and NI rate: 20.18%
Effective rate = annual deduction ÷ gross income × 100.
Effective salary tax rate: questions answered
What does the effective salary tax rate calculation include?
Effective rate = annual deduction ÷ gross income × 100. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. 2026/27 standard category A annual model. No pension, loans or benefit effects. This average rate is different from the marginal rate on the next pound.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
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