The calculator could not load
The tax rules could not be loaded. Please reload to try again.
{{ announcement }}
Enter your salary to see your take-home pay and marginal tax rate.
You take home including childcare a year, or {{ fmtMoney(headlineTakeHome / 12) }} a month
- {{ p.label }}{{ fmtMoney(p.amount) }}
- Childcare support+{{ fmtMoney(summary.childcareCredit) }}
Includes {{ fmtMoney(summary.reliefViaReturn) }} of pension tax relief that comes through Self Assessment or a tax code change, not your monthly pay.
- Marginal tax rate
- {{ fmtPct(summary.marginalRate) }}
- Effective tax rate
- {{ fmtPct(summary.effectiveRate) }}
- {{ fmtMoney(summary.pensionGross) }} into your pension costs you
- {{ fmtMoney(summary.pensionNetCost) }}
- {{ fmtMoney(summary.pensionGross) }} into your pension leaves you better off by
- {{ fmtMoney(-summary.pensionNetCost) }}
- {{ otherMode ? 'Your income can rise this much' : 'You can earn this much more' }} before {{ headroomNote.what }}
- {{ fmtMoney(headroomNote.room) }}
←→ move £1,000 · Shift £10,000
This download includes what you entered
Nothing you enter in this calculator is sent over the internet: it stays on your device. The {{ exportConfirm === 'image' ? 'image' : 'data file' }} you're about to download shows your figures, including your income. If that's sensitive, take care where you save it and who you share it with.
{{ chartIncomeLabel }}
{{ datasetLabel(dataset) }}{{ datasetLabel(compareDataset) }}
{{ incomeMixNote }}
Childcare support is lost once gross income exceeds {{ childcareCliffText }}: {{ fmtMoney(household.childcareSubsidyAmount) }} of annual support is at risk.
Below 0%, pension tax relief on the next £1 exceeds the tax on it.
{{ wayOut.trap }}. Paying {{ wayOut.more ? 'an extra ' : '' }}{{ fmtMoney(wayOut.extra) }} {{ wayOut.how }} would take you out of it, and would cost you {{ fmtMoney(wayOut.cost) }} of take-home pay. and would leave you {{ fmtMoney(-wayOut.cost) }} better off.
Other income
Enter taxable profit, after allowable business expenses and tax adjustments. For IR35 work, enter what the client pays, excluding VAT: the calculator takes employer NI out of it.
Enter the taxable value from your P11D, or your payslip if your employer payrolls benefits.
Benefits in kind only apply to employees.
Enter pension income separately from salary and self-employment profit.
Tick this even if you've deferred your State Pension. It turns off employee NI on your salary and IR35 pay for the whole year, so if you reach State Pension age during 2026/27 the calculator will understate your NI. In the 2027/28 Budget comparison it also gives you the Pension Tax Allowance.
Turns off self-employed NI. Leave it unticked if you reach State Pension age during 2026/27.
Rental property
Enter annual amounts. They stay fixed as earnings change along the chart.
Adjustments
Pension contributions
{{ pensionError }}
Relief at source. Salary sacrifice and net pay options appear once you enter a salary.
You pay {{ fmtMoney(summary.pensionRas - summary.pensionReliefAtSource) }} a year to the provider, which claims the other {{ fmtMoney(summary.pensionReliefAtSource) }} from HMRC. Any relief above the basic rate has to be claimed from HMRC.
{{ effectivePensionMethod === 'sipp' ? 'A percentage contribution applies to all your earnings: salary, profit and deemed IR35 pay.' : income > 0 ? 'Workplace pension contributions and other salary sacrifice apply to your salary only.' : 'Workplace pension contributions apply to your deemed IR35 pay.' }}
Enter the total going into your pension, including any basic-rate top-up, but excluding other employer contributions.
A percentage grows with your pay, so part of each extra £1 goes to your pension. That lowers the marginal rate.
Your employer must offer salary sacrifice, and your remaining pay must meet minimum-wage rules.
{{ pensionCapNotice }}
This exceeds your {{ fmtMoney(summary.annualAllowance.allowance) }} annual allowance by {{ fmtMoney(allowanceExcess) }}. An annual allowance charge is included; unused allowance carried forward could reduce it.
Enter the total annual support your household would lose above £100,000 adjusted net income. Use your Tax-Free Childcare account and ask your nursery what replacing the lost funded hours would cost. For three- and four-year-olds in England, count the extra 15 hours, not the universal 15. Younger children can lose all 30 working-parent hours. Check the funded-hours rules. Scotland's funded hours have no income limit, so in Scotland count only Tax-Free Childcare. Only include support actually at risk for your family; eligibility and your partner's income aren't checked here.
Total annual amount at risk above £100,000, for your whole household.
For example, an electric car or the cycle to work scheme. Enter pension salary sacrifice under Pension, and the car's taxable value under Benefits.
Salary sacrifice only applies to employees.
{{ version }}
How the calculation works
Under {{ datasetLabel(compareDataset) }}, you'd be no better or worse off. you'd be {{ fmtMoney(Math.abs(compareDelta)) }} a year {{ compareDelta > 0 ? 'better off' : 'worse off' }}.
{{ comparisonNote }}
| {{ t.title }} | {{ compareSummary ? datasetLabel(dataset) : '' }} | {{ datasetLabel(compareDataset) }} |
|---|---|---|
| {{ r.label }} | {{ r.cur === null ? '–' : (Math.round(r.cur) < 0 ? '−' : '') + fmtMoney(Math.abs(r.cur)) }} | {{ r.cmp === null ? '–' : (Math.round(r.cmp) < 0 ? '−' : '') + fmtMoney(Math.abs(r.cmp)) }} |