Tax code 0T explained
0T — no tax-free allowance; income is taxed from the first pound through the normal bands.
| What it sets (2026/27) | Value |
|---|---|
| Tax-free allowance | £0 — no tax-free allowance |
| Standard allowance (1257L) | £12,570 a year |
| Income Tax on a £35,000 salary | £7,000/yr |
| vs the standard code | +£2,514/yr (+£210/mo) |
What to check
⚠ No tax-free allowance (0T). 0T is common right after starting a job or when HMRC is missing details. If this is your main job it's worth checking — you may be due money back once it's corrected.
ℹ About £2,514/yr more tax than the standard code. At £35,000, this code takes roughly £210 a month more than 1257L would. Expected if you have benefits or an underpayment; if you don't, query it.
Build or check your tax code →See it on your own salary
The figures above use a £35,000 example. Enter your real salary to see exactly what 0T does to your take-home — or upload a payslip and let PayGlance check the code is being applied correctly.
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