Free tool · PAYE

Tax code checker

Enter the tax code on your payslip to see what it means, your tax-free amount and whether you may be paying too much tax. Covers 1257L, BR, 0T, K codes, emergency codes and Scottish and Welsh codes.

  • Every common code explained
  • Emergency codes flagged
  • Compared with 1257L
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Free no sign-up needed
  • Updated for 2026/27
  • Instant, private estimate
  • Accountant review available
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Check your tax code

Enter the code from your payslip. Nothing is stored or sent.

Please enable JavaScript to use this calculator, or call 0161 531 4179.

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Who it’s for

Who this checker is for

Anyone paid through PAYE.

👩‍💼

Employees

Check your payslip.

🔁

Two jobs

BR and D0 codes.

🆕

New starters

Emergency codes.

👵

Pensioners

Codes on pension income.

Packages & prices

Want us to file it for you?

Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.

Starter
Straightforward returns and simple sole traders.
£150
per year · incl. VAT
  • Self Assessment tax return
  • Tax calculation explained
  • Online filing with HMRC
  • Deadline reminders
Start my return
Most popular
Growth
Self-employed, landlords, directors or several income sources.
£250
per year · incl. VAT
  • Everything in Starter
  • Self-employment or rental schedules
  • Expense and allowance review
  • Payments on account planning
Start my return
Complete
Bookkeeping, MTD, several properties, crypto or foreign income.
Quote
fixed fee
  • Everything in Growth
  • Capital gains and crypto
  • Foreign income and relief
  • Making Tax Digital support
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All prices include VAT.

What’s included

What the checker shows

Based on 2026/27 rates.

  • What your code means
  • Your tax-free amount
  • Scottish or Welsh code
  • Emergency basis
  • Tax on a standard 1257L code
  • Whether you may be overpaying
How it works

A seamless, fully online process

Enter your code

From your payslip or P60.

Enter your pay

Annual pay from that job.

See what it means

Allowance and letter.

Act on it

Contact HMRC or us.

Codes explained

Common tax codes

CodeMeaning
1257LStandard Personal Allowance of £12,570
M / NReceiving or giving Marriage Allowance
BRAll pay taxed at 20%
D0 / D1All pay taxed at 40% / 45%
0TNo tax-free allowance
NTNo tax taken
KDeductions exceed your allowance
W1 / M1 / XEmergency code

How do I read my tax code?

In short: the number times 10 is your tax-free pay for the year. The letter says why. 1257L means £12,570 tax-free at the standard rate. An S at the start means Scottish rates and C means Welsh rates.

Emergency codes

Codes ending W1, M1 or X tax each pay period on its own. You may overpay. They usually happen when you start a new job without a P45.

Wrong tax code?

Update HMRC through your personal tax account. Overpaid tax can be reclaimed. Our payroll services help employers, and our Self Assessment tax returns service reclaims overpayments. See your pay with the salary after tax calculator. More on our tax calculators page.

Official guidance: Tax codes

Employee checking their tax code on a payslip
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Why clients choose Wingate

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Transparent fixed fees

Transparent pricing, confirmed in writing before any work begins. No hourly charges and no surprises.

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Cloud-friendly

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Client reviews

Trusted by clients across the UK

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“As a sole trader, I found tax returns confusing, but Wingate made it simple and stress free.”

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“As someone new to self-employment, I appreciated their patience and clear explanations when filing my tax return.”

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FAQs

Frequently asked questions

What does 1257L mean?
You get the standard £12,570 tax-free Personal Allowance.
What is a BR tax code?
All pay from that job is taxed at 20%, often a second job.
What is an emergency tax code?
W1, M1 or X. Each pay period is taxed separately and you may overpay.
What does K mean?
Untaxed income or benefits exceed your allowance.
How do I change my tax code?
Through your HMRC personal tax account or by calling HMRC.
Can I get overpaid tax back?
Yes. Usually through payroll or a refund from HMRC.

Ask us about your tax code

Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.

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Our Partners

Wingate Accountants Ltd is an independent firm of Chartered Certified Accountants, providing tax and compliance services to individuals and businesses across the UK.

✔ HMRC Registered Tax Agent
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