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According to HMRC data, the personal allowance sits at £12,570, so if your total income is below that, you owe nothing. That's tax-free up front, but once you cross it, rates kick in progressively. The basic rate is 20% on income from £12,571 to £50,270, higher rate at 40% from £50,271 to £125,140, and additional rate at 45% above that.
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