Civic Tax Transparency — 2024/25

Public Finance Instrument — United Kingdom

Your tax contribution, accounted for.

Taxation is compulsory. What is owed in return is not a promise but a performance. This instrument shows where your specific contribution went, what it was meant to produce, and what it produced.

£

Uses 2025/26 income tax and National Insurance bands. England, Wales and Northern Ireland rates.

Your contribution — 2024/25

Income Tax

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Effective rate

National Insurance

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Employee Class 1

Total Contribution

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of gross income

Departmental Allocation Select any line to see outcomes
The Tax Gap Uncollected — chronically underenforced

What was owed but never collected

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HMRC estimates £46.8 billion in tax was owed in 2022/23 but never collected. This is not disputed. It is not a rounding error. The gap represents systemic underenforcement: 4.8% of all tax theoretically due, sustained year after year. The figure shown is your proportional share of that failure.

Your share of the tax gap

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Based on your income proportion

Equivalent public service capacity

£46.8bn

Enough to fund the NHS for 93 days

System Anomalies Structural failures in the tax code