From £13kClearedTaxable income
Personal Allowance
First £12,570 of taxable income is tax-free. Income below this is not subject to income tax.
Affects: Most UK taxpayers.
How to use this map
Start with gross income if you only know your salary, then check each card's income definition. Some rules use taxable income, but family and allowance cliffs often use adjusted net income.
Turn on children to reveal family thresholds, and change the chart range when you want to zoom into everyday pay levels or scan through the pension taper.
Use the status labels as navigation. "Approaching" means the selected income is within £5,000; "In range" means the income sits inside a taper band.
Where does it all go?
UK public spending 2024/25, line by line
£1.29 trillion across 15 categories, welfare, NHS, debt interest, defence, the lot.
Background reading
6 min read
The 60% tax trap, explained
A closer look at the £100k to £125,140 Personal Allowance taper.
Background reading
6 min read
High Income Child Benefit Charge
How the £60k to £80k Child Benefit taper works and why adjusted net income matters.
Background reading
7 min read
Is salary sacrifice worth it?
How pension contributions can interact with the high-income thresholds on this map.
Limitations
This is a guide to thresholds, not tax advice and not a substitute for a full tax return calculation. Complex cases can need professional advice, including non-UK residence, split-year treatment, self-assessment adjustments, benefits in kind, trusts, foreign income, carry-forward pension rules and detailed tapered annual allowance calculations.
Sources & last reviewed
Updated for 2026/27 · last reviewed 29 April 2026 · view changelog →
Bands, thresholds and reliefs on this page come directly from the following official sources. Tax rates are checked against these references whenever a Budget or in-year change is announced.