Personal Allowance Calculator
Calculate your personal allowance and maximize your tax-free income
Calculate Your Personal Allowance
Current age: 35
Your Personal Allowance
Tax Benefit
Tax Saved Per Year:
£2,514
What is Personal Allowance?
Your personal allowance is the amount of income you can earn each tax year without paying income tax. For the 2025/26 tax year, the standard personal allowance is £12,570.
How it's reduced:
- If your income is over £100,000, your allowance reduces by £1 for every £2 earned above that
- If you're over 65 or 75, you may have different rates (contact HMRC)
Frequently Asked Questions
What is Personal Allowance?
Your personal allowance is the amount of income you can earn each tax year without paying any income tax. For 2025/26, the standard personal allowance is £12,570.
How is it Reduced for High Earners?
If your income exceeds £100,000, your personal allowance is reduced by £1 for every £2 you earn above that threshold. This means at £125,140, you'd have no personal allowance left.
What is Marriage Allowance?
If you're married or in a civil partnership and one partner earns less than their personal allowance, that person can transfer up to £1,260 of unused allowance to their partner, saving the higher earner up to £252 per year in tax.
Are There Age-Related Allowances?
Yes. If you were born before 6 April 1948, you may qualify for a higher personal allowance. Visit HMRC for specific details about age-related allowances.
How Much Tax Do I Save?
Your personal allowance saves you tax at your marginal rate. At 20% (basic rate), a £12,570 allowance saves you £2,514 per year in income tax.