Free · 2025/26 · UK
Tax Code Calculator 2025/26
Enter your tax code and find out exactly what it means — how much tax-free pay you get, why you might be paying too much or too little tax, and whether your code needs correcting.
Tax Code Decoder
2025/26
£
Tax-Free Allowance
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Monthly Tax-Free Pay
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Code Status
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Tax Calculation at This Code
Common tax codes explained
1257L
Standard code 2025/26. Tax-free allowance of £12,570. The most common code — used for one job with standard personal allowance.
BR
Basic Rate — all income taxed at 20%. No personal allowance applied. Common on second jobs or when HMRC can’t identify your main employment.
D0
All income taxed at 40% (higher rate). Used when your main employment already uses your personal allowance and pushes you into the higher band.
D1
All income taxed at 45% (additional rate). Very rare — used for additional income sources when main job is already taxed at the additional rate.
NT
No Tax — nothing deducted. Used in specific circumstances: non-residents, certain pension withdrawals, or agreed arrangements with HMRC.
K codes
Negative allowance — you owe HMRC money (e.g. unpaid tax, taxable benefits exceeding your allowance). Extra tax is collected from your pay.
Frequently asked questions
How do I get my tax code corrected?
If your tax code is wrong, contact HMRC directly via your Personal Tax Account at gov.uk/personal-tax-account, or call 0300 200 3300. You’ll need your National Insurance number and employer’s PAYE reference. HMRC will issue a new tax code to your employer. Common reasons for a wrong code include: starting a new job, a second job being treated incorrectly, having a company benefit or untaxed income, or an old debt that’s been repaid.
What does the letter at the end of my tax code mean?
L = standard personal allowance. M = transferred 10% of partner’s allowance (Marriage Allowance). N = given 10% of allowance to partner. T = HMRC needs to review (various reasons). W1/M1 = emergency week/month 1 basis — tax calculated on each pay period in isolation rather than cumulatively. X = same as W1/M1 but for non-standard pay periods. S = Scottish rate taxpayer. C = Welsh rate taxpayer.
