Your tax receipt
Your tax has a receipt. Nobody ever sent it to you.
Enter a salary to see what your income tax and National Insurance pay for in 2026-27, line by line, and how much the state borrowed on top. It is an illustration: taxes go into one pot, so this is the average split, not where your own pounds went.
Worked out on this device. Your salary is never sent to us, never put in a link and never stored.
You pay £7,120.40 a year. The biggest line is social protection, £2,123.56. On top, the state borrowed £776.55 in your name: 9.8p of every £1 it spent.
Your tax receipt
Tax year 2026-27, England, Wales and Northern Ireland
- Income tax
- £5,086.00SourcedIncome tax for 2026-27. Personal allowance £12,570; 20% on the next £37,700, 40% up to £125,140, 45% above. The allowance shrinks by £1 for every £2 earned over £100,000.GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01
- National Insurance
- £2,034.40SourcedEmployee National Insurance: 8% on pay between £12,570 and £50,270 a year, 2% above. Rates for 2026-27.HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- You pay a year
- £7,120.40SourcedIncome tax plus National Insurance, at 2026-27 rates.GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
What it pays for, split like spending in 2025-26
- Social protection
- £2,123.56SourcedSocial protection was £407bn of the £1,366bn the state spent in 2025-26, 29.8%, so 29.8% of your tax goes on this line.HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Health
- £1,342.86SourcedHealth was £258bn of the £1,366bn the state spent in 2025-26, 18.9%, so 18.9% of your tax goes on this line.HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Education
- £655.52SourcedEducation was £126bn of the £1,366bn the state spent in 2025-26, 9.2%, so 9.2% of your tax goes on this line.HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Debt interest
- £566.42EstimateDebt interest was £109bn of the £1,366bn the state spent in 2025-26, 8.0%, so 8.0% of your tax goes on this line. Central government debt interest net of the APF (OBR definition): ONS CG interest payable (NMFX, 96.8bn) minus APF net interest receivable (MDD8, -11.8bn), summed April 2025 to March 2026.ONS Public sector finances, UK (PUSF time series dataset), edition PSF-2026-09GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Transport & economy
- £489.91SourcedTransport & economy was £94bn of the £1,366bn the state spent in 2025-26, 6.9%, so 6.9% of your tax goes on this line.HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Defence
- £341.10SourcedDefence was £65.4bn of the £1,366bn the state spent in 2025-26, 4.8%, so 4.8% of your tax goes on this line.HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Police, courts, prisons
- £290.53SourcedPolice, courts, prisons was £55.7bn of the £1,366bn the state spent in 2025-26, 4.1%, so 4.1% of your tax goes on this line.HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Housing & environment
- £217.05SourcedHousing & environment was £41.6bn of the £1,366bn the state spent in 2025-26, 3.0%, so 3.0% of your tax goes on this line. COFOG housing and community amenities plus environment protection (PESA-2026).HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Running government
- £182.67SourcedRunning government was £35bn of the £1,366bn the state spent in 2025-26, 2.6%, so 2.6% of your tax goes on this line. COFOG general public services, excluding debt interest (PESA-2026).HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Culture & sport
- £78.49SourcedCulture & sport was £15.1bn of the £1,366bn the state spent in 2025-26, 1.1%, so 1.1% of your tax goes on this line.HM Treasury Public Expenditure Statistical Analyses (PESA) / Public Spending Statistics, edition PESA-2026GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Accounting adjustments
- £832.29EstimateAccounting adjustments was £160bn of the £1,366bn the state spent in 2025-26, 11.7%, so 11.7% of your tax goes on this line. Reconciles spending by function (HMT PESA) with total spending. Made up of: HMT PESA accounting adjustments 132.5bn; 21.7bn that PESA counts as debt interest but the OBR measure used for the debt interest line does not (mostly 19.4bn of notional interest on unfunded public-service pensions); 5.5bn difference between total spending here (PSF-2026-09) and PESA's outturn.ONS Public sector finances, UK (PUSF time series dataset), edition PSF-2026-09GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30
- Borrowed on top
- £776.55SourcedIn 2025-26 the state borrowed £134bn, 9.8p of every £1 it spent. For every £1 it raised in tax and other income, it spent 10.9p more. So on top of each £1 of your tax, it borrowed 10.9p.ONS Public sector finances, UK (PUSF time series dataset), edition PSF-2026-09
- Spent on your behalf
- £7,896.95SourcedYour tax plus the borrowing on top: what the state spent in your name, at the Statement's split.GOV.UK, Income Tax rates and Personal Allowances, edition income-tax-rates@2026-10-01HMRC, Rates and thresholds for employers 2026 to 2027, edition rates-and-thresholds-for-employers-2026-to-2027@2026-09-30ONS Public sector finances, UK (PUSF time series dataset), edition PSF-2026-09
9.8p of every £1 the state spent was borrowed
You pay £7,120.40 a year. With the borrowing on top, the state spent £7,896.95 on your behalf.
Share your receipt as a picture
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Link: https://ledgergov.uk/receipt
Example receipts
Receipts for a few round salaries, each with its own page to link to. They are the site's examples, so sharing one says nothing about you.
- £25,000 a yearpays £3,480.40, plus £379.57 borrowed
- £35,000 a yearpays £6,280.40, plus £684.94 borrowed
- £50,000 a yearpays £10,480.40, plus £1,142.98 borrowed
- £100,000 a yearpays £31,442.60, plus £3,429.11 borrowed
How this is worked out
1. Your tax
Income tax and employee National Insurance on a salary for 2026-27, at the rates for England, Wales and Northern Ireland. Personal allowance £12,570; 20% on the next £37,700, 40% up to £125,140, 45% above. The allowance shrinks by £1 for every £2 earned over £100,000. Employee National Insurance: 8% on pay between £12,570 and £50,270 a year, 2% above.
2. Split the way the state spends
Your tax is divided between the Statement's spending lines in proportion to what each cost in 2025-26, the latest full year (ONS outturn, September 2026 release). It is the same split as the Statement on the home page: social protection was 29.8% of all spending, so 29.8% of your tax lands on that line.
3. Borrowing on top
In 2025-26 the state borrowed £134bn, 9.8p of every £1 it spent. For every £1 it raised in tax and other income, it spent 10.9p more. So on top of each £1 of your tax, it borrowed 10.9p. That is what the state spent on your behalf beyond what your tax paid.
4. To the penny
Each line is rounded to the penny so that the lines add up exactly to the tax you pay.
Every line links to its part of the Statement. See how the numbers are made and what a change to each tax would raise.
Questions
Is this where my own tax goes?
No. Taxes go into one pot and nobody's pounds are earmarked. The receipt shows your tax split the way all public spending was split in 2025-26: an average, as an illustration.
Do you see my salary?
No. The receipt is worked out in your browser. Your salary is never sent to us, never put in a link and never stored or counted. The image is drawn on your device too, and it shows your tax, not your salary. We count how often the page is opened, one number a day for the page, nothing about you.
Why are the rates for one year and the spending for another?
The rates are this tax year's, 2026-27. The split uses 2025-26, the latest year with full spending figures, the same year the Statement on the home page shows. The shares move little from one year to the next.
What does borrowed on top mean?
In 2025-26 the state borrowed £134bn, 9.8p of every £1 it spent. For every £1 it raised in tax and other income, it spent 10.9p more. So on top of each £1 of your tax, it borrowed 10.9p. It is not a bill: it is the part of spending that tax did not cover, which the state borrowed and pays interest on.
What are debt interest and accounting adjustments?
Debt interest is what the state pays on what it has borrowed before. Accounting adjustments are the parts of total spending that are not spending on a service, such as public corporations and items councils pay for themselves; the Statement shows them so the total matches the official one.
I live in Scotland. Does this apply to me?
Scotland sets its own income tax bands and rates, so your income tax will differ from this receipt. National Insurance is the same across the UK. The receipt uses the rates for England, Wales and Northern Ireland.
What is left out?
Only income tax and the National Insurance taken from your pay are on the receipt. VAT, council tax, fuel duty and the other taxes you pay are not, nor is the National Insurance your employer pays on your wages, student loan repayments or pension contributions. The self-employed pay National Insurance differently.
More in the privacy notice.