Tax code checker: what your code means, and whether it takes the right tax
Decode any PAYE tax code, see the tax it takes from a year's pay against the tax you owe, and roughly how much a wrong code has over- or under-collected so far. Your figures never leave your browser.
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Worked example
Computed when this page was built by the same engine that runs the calculator above, so the figures below and the live tool can never disagree. Change any input above to see your own.
| Inputs | |
|---|---|
| Tax code | BR |
| A year's pay from this job | £30,000 |
| Months on this code | 6 |
| Results | |
|---|---|
| Tax this code takes a year | £6,000 |
| Tax owed if this is your only income | £3,486 |
| Too much a year | £2,514 |
| Overpaid after 6 months | £1,257 |
The next question
What does my pay come to after tax? →Take-home pay calculator
Or answer it with everything else: the full Hundred Summers plan connects your pay, pensions, savings, property, tax and spending year by year, and stress-tests them across 500 simulated market histories.
Read the guides
- Benefits and allowances people miss: what to check, and where →The entitlements most often left unclaimed in the UK (Pension Credit, Attendance Allowance, Carer's Allowance, Marriage Allowance, Council Tax Reduction and the help each one unlocks) with 2026/27 rates from gov.uk and the free, independent calculators to check your own. A signpost, not a checker. Education, not advice.
- The first pension withdrawal: emergency tax and how to avoid it →Why a first flexible withdrawal is over-taxed on a month-1 code, a worked £30,000 example, the three reclaim forms, the small-first-payment trick and the case for spreading withdrawals across tax years.
- Bonuses: why so much disappears, and the move that keeps it →A bonus is taxed as the top slice of the year's pay, so it lands at your highest rate plus NI (42% gone for a higher-rate earner, more in the 60% zone), and a bonus sacrificed into a pension is the best-relieved contribution most employees ever make.
Reading a tax code
Most codes are a number and a letter. The number, multiplied by ten, is the tax-free pay you get from that job in a year: 1257 is £12,570. The letter says why: L the standard allowance, M you receive Marriage Allowance from your partner, N you've given it to them, T something HMRC needs to review. A K code works the other way: its number, times ten, is added to your taxable pay, because untaxed income or benefits come to more than your allowance, and the tax taken each payday is capped at half your pay.
Some codes have no allowance at all. BR taxes everything at the basic rate, D0 at the higher rate and D1 at the additional rate (in Scotland D0 to D3 are the intermediate, higher, advanced and top rates): usual for a second job or pension. 0T gives no allowance but applies the bands; NT takes no tax. An S or C in front means Scottish or Welsh rates, and W1, M1 or X after makes it an emergency, non-cumulative code.
When a different code is right
A lower allowance isn't necessarily a mistake. HMRC reduces it to collect tax on a company car or medical insurance, untaxed income such as rent or savings interest, or tax you owe from an earlier year, and a second job usually gets BR or D0 because the main job uses the allowance. The checker compares your code with the standard allowance on the assumption that this job is your only income, so read a difference as a reason to check, not a verdict.
Sources
- GOV.UK, Tax codes (what the letters mean, emergency codes).
- GOV.UK, Income Tax rates and Personal Allowances.
- GOV.UK, Scottish Income Tax.