How is UK income tax calculated?

UK income tax is calculated using PAYE bands: 0% on the personal allowance (12,570), 20% basic rate (12,571-50,270), 40% higher rate (50,271-125,140), and 45% additional rate above 125,140 for 2025/26.

How much stamp duty will I pay?

Stamp duty in England depends on the property price and whether you are a first-time buyer. First-time buyers pay 0% up to 425,000. Standard rates start at 0% up to 250,000, then 5% up to 925,000.

How much is National Insurance in the UK?

Employee National Insurance is charged at 8% on earnings between 12,570 and 50,270, and 2% above that threshold for 2025/26.

All Calculators

Marriage Allowance Calculator

Marriage Allowance lets you transfer £1,260 of your personal allowance to your husband, wife, or civil partner. This could save them up to £252 in tax per year for 2025/26.

Your Annual Income (£)

Partner's Annual Income (£)

You are eligible!

£252.00

Annual tax saving for 2025/26

How It Works for You

Lower earner	£11,000.00/year
Higher earner	£30,000.00/year
Unused personal allowance (lower earner)	£1,570.00
Amount transferred	£1,260.00
Your partner transfers to you	£1,260.00 of personal allowance
Tax saving (20% of transfer)	£252.00
Can backdate up to 4 years	Up to £1,260 total

About Marriage Allowance

Marriage Allowance is available to married couples and civil partners where one person earns less than the personal allowance (£12,570) and the other is a basic rate taxpayer (earning between £12,571 and £50,270).

The lower earner transfers £1,260 of their personal allowance to the higher earner, reducing their tax bill by up to £252 per year. You can backdate claims for up to 4 previous tax years.

How to Apply

Apply online at gov.uk/marriage-allowance. You will need your National Insurance numbers and proof of identity. HMRC will adjust the higher earner's tax code automatically.

Take-Home Pay →Tax-Free Childcare →

Last updated: May 2026. Uses 2025/26 tax rates.

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