Income Налог calculator (UK и US)

Income Налог, National Insurance или FICA и your effective и marginal rates, with the full band breakdown.

Where you Оплата Налог

Income За Год (before Налог)

Pension или 401(k) Оплачено before Налог, За Год

Student loan plan

О «Income tax calculator (UK и US)»

Income Налог, National Insurance или FICA и your effective и marginal rates, with the full band breakdown.

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Как пользоваться: Income tax calculator (UK и US)

Что считает и когда использовать

Estimates income Налог, National Insurance (UK) или Social Security и Medicare (US), your effective и marginal rates, и a band-by-band breakdown.

Как пользоваться, шаг за шагом

Choose where you Оплата Налог: England/Wales/Northern Ireland, Scotland или the US.
Enter your income За Год before Налог.
Add pension или 401(k) contributions paid before tax and, в the UK, a student loan plan.
Read the Налог, take-home Оплата и marginal Ставка.

Что означает каждое поле

Income – Gross Оплата за the Год.
Filing status (US) – Sets the standard deduction и brackets.
Pension Оплачено before Налог – Reduces taxable income.
Student loan plan (UK) – Plan thresholds и rates decide repayments.

Как читать результаты

Income Налог – The Сумма tax в each band.
Effective Ставка – Income Налог ÷ income.
Marginal Ставка – Итого tax on the next ед. income, including National Insurance или FICA.
Налог by band – How much was taxed По За шт. Ставка.

Формула

UK: taxable income = income − personal allowance (12,570, reduced by 1 за every 2 over 100,000). Tax — 20% on the first 37,700 taxable income, 40% to 125,140 и 45% above в England; Scotland uses six bands. National Insurance — 8% between 12,570 и 50,270 и от 2% above. US: taxable income = income − standard deduction, taxed in 10% до 37% brackets.

Пример расчёта

A UK taxpayer earning 50,000 has a personal allowance 12,570, so 37,430 — taxable at 20% за 7,486 tax. National Insurance — 2,994, take-home pay — 39,520 и the marginal rate — 28%.

Допущения и ограничения

UK: standard Налог code, Нет other income, Нет Marriage Allowance или benefits.
US: federal Налог only with the standard deduction. State taxes, Кредиты и itemised deductions are excluded.
Pension contributions are treated as Оплачено before Налог but not before NI.

Частые ошибки

от Applying the top rate до all income. Only income в each band — taxed По that band’s Ставка.
Forgetting National Insurance или FICA.

Частые вопросы

Why — my marginal rate 60% between 100,000 и 125,140 в the UK?

The personal allowance — withdrawn as income rises, so each extra pound — taxed at 40% plus the lost allowance, an effective 60% before NI.

Does Scotland have different rates?

Yes. Scotland sets its own bands и rates за от non-savings income. Choose Scotland до see them.

Dated rules: UK tax year 2026 в 2027 (6 April 2026 в 5 April 2027), С GOV.UK. Rates и thresholds change each year, so check GOV.UK before relying on a figure. Dated rules: US federal figures за tax year 2026 (IRS Rev. Proc. 2025-32 и IRS notices). These calculators are estimates за planning, not tax advice.

Подробности

Personal allowance: £12,570
Taxable income: £37,430
National Insurance: £2,994
Итого tax и deductions: £10,48021% от income
Effective Налог Ставка (income Налог only): 15%
Marginal Ставка on your next pound: 28%income Налог plus deductions on extra Оплата
Take-home За Год: £39,520

Налог by band

Band	Ставка	Налог
от £0 до £37,430	20%	£7,486

Rates are за от 2026 до от 2027. Rates apply до England, Wales и Northern Ireland. Between £100,000 и £125,140 the personal allowance — reduced by £1 за every £2. Pension contributions are treated as paid before tax; check how your scheme gives relief.