Tax Code NT Explained
Tax code NT (No Tax) means no Income Tax is deducted from this income source at all. It does not mean you owe no tax — it simply means the employer is not instructed to deduct tax. You may still need to account for tax liability separately, typically through Self Assessment. National Insurance contributions may still apply depending on employment status.
Who gets tax code NT?
Individuals in specific circumstances: those who are not UK tax resident, certain types of pension income, some maintenance payments, or where HMRC has specifically determined no withholding should occur. It is sometimes applied temporarily during account disputes or for particular contract arrangements. NT codes should not be self-assigned — they must be issued by HMRC.
No tax deducted at source: NT does not mean you have no tax liability. You may still owe tax and need to declare this income through Self Assessment. National Insurance contributions may also apply. Only use NT if HMRC has specifically issued this code to you.
Take-home pay on tax code NT — 2025-26 examples
Examples below show Income Tax and take-home pay at common salary levels. National Insurance (NI) is also shown separately — NI is not affected by your tax code and applies on the same basis for all employees.
| Gross Salary | Income Tax | NI (est.) | Take-Home | Effective IT Rate |
|---|---|---|---|---|
| £20,000 | £0 | £594 | £19,406 | 0.0% |
| £25,000 | £0 | £994 | £24,006 | 0.0% |
| £30,000 | £0 | £1,394 | £28,606 | 0.0% |
| £35,000 | £0 | £1,794 | £33,206 | 0.0% |
| £40,000 | £0 | £2,194 | £37,806 | 0.0% |
| £45,000 | £0 | £2,594 | £42,406 | 0.0% |
| £50,000 | £0 | £2,994 | £47,006 | 0.0% |
| £60,000 | £0 | £3,211 | £56,789 | 0.0% |
| £75,000 | £0 | £3,511 | £71,489 | 0.0% |
| £100,000 | £0 | £4,011 | £95,989 | 0.0% |
Take-home = Gross − Income Tax − National Insurance. No pension, student loan or other deductions included. NI calculated at 8% between £12,570–£50,270 and 2% above. Effective IT Rate shows Income Tax as a percentage of gross salary.
If you have tax code NT, here's what you should know
- Your tax code appears on your payslip, P60, and any correspondence from HMRC about your PAYE tax.
- Your employer uses this code to calculate how much Income Tax to deduct from each pay period — they do not set it themselves.
- If your circumstances change (new job, change in benefits, marriage allowance), your code should update automatically — but it is worth checking.
- You can view and update your tax code online via your Personal Tax Account at gov.uk.
- If you think your code is wrong, contact HMRC on 0300 200 3300 or use the HMRC app.
- An incorrect tax code can mean you overpay or underpay tax — overpayments are refunded, underpayments are collected in future years.
Frequently asked questions
What does tax code NT mean?
Tax code NT (No Tax) means no Income Tax is deducted from this income source at all. It does not mean you owe no tax — it simply means the employer is not instructed to deduct tax. You may still need to account for tax liability separately, typically through Self Assessment. National Insurance contributions may still apply depending on employment status.
Who gets tax code NT?
Individuals in specific circumstances: those who are not UK tax resident, certain types of pension income, some maintenance payments, or where HMRC has specifically determined no withholding should occur. It is sometimes applied temporarily during account disputes or for particular contract arrangements. NT codes should not be self-assigned — they must be issued by HMRC.
How much do I take home on tax code NT earning £30,000?
On tax code NT with a £30,000 salary, you take home £28,606 per year (£2,384 per month) after Income Tax of £0.
Is tax code NT correct for me?
Your tax code is set by HMRC based on your individual circumstances. If you believe your tax code is wrong, contact HMRC on 0300 200 3300 or check your Personal Tax Account at gov.uk. An incorrect code could mean you are paying too much or too little tax.
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