0T tax code

No personal allowance — every pound is taxed. Assigned when HMRC has no starter information or allowance is fully used.

Approx. personal allowance equivalent: £0 per year

What this code means in practice

This code corresponds to roughly £0 of tax-free pay per year.

Often used for a second job where the allowance is already taken elsewhere, or as an emergency code when no P45 or starter checklist is available.

Emergency or non-cumulative codes often cause temporary overpayment. Read our emergency tax code guide for steps to fix it quickly.

Check your take-home pay

Enter code 0T in our tax code checker or model a full salary with our salary calculator. Compare the result with your payslip to spot overpayment early.

Frequently asked questions

What does tax code 0T mean?

No personal allowance — every pound is taxed. Assigned when HMRC has no starter information or allowance is fully used.

Is 0T an emergency tax code?

Yes. 0T is applied on a non-cumulative (W1/M1) or temporary basis. It often causes overpayment until HMRC updates your record with full employment details.

How do I change my tax code?

Update your employment details in your Personal Tax Account at gov.uk, give your employer a P45 when changing jobs, or call HMRC on 0300 200 3300. Your employer applies the new code once HMRC issues it.

TaxHelper provides general information based on published HMRC rates and guidance. It is not regulated financial or tax advice. For decisions involving significant sums, complex circumstances, or if you are unsure, speak to a qualified accountant or HMRC directly.