Enter a salary to see every deduction, every allowance and benefit that tapers away, your effective tax rate and the total you lose.
Annual, monthly and as a share of gross salary
| Item | Year | Month | % gross |
|---|
| Band | Rate | Income in band | Tax |
|---|
Highlighted items apply at this income
Rates used: Personal Allowance £12,570, tapered by £1 for every £2 of adjusted net income over £100,000. rUK bands 20% / 40% / 45%; Scottish bands 19% / 20% / 21% / 42% / 45% / 48% with starter and basic limits of £16,537 and £29,526. Employee National Insurance 8% from £12,570 to £50,270 and 2% above. Employer NI 15% above £5,000.
Student loans: 9% above £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4), £25,000 (Plan 5); postgraduate 6% above £21,000. Child Benefit £27.05 a week for the eldest and £17.90 for each other child; the High Income Child Benefit Charge claws back 1% per £200 of income over £60,000. Tax-Free Childcare is valued at its £2,000 per child maximum. Funded-hours value is your own estimate.
This assumes salary is your only income and that pension contributions are made by salary sacrifice. It ignores the employee NI on bonuses, benefits in kind, Universal Credit, and your partner's income (the Child Benefit charge and childcare limits look at whichever parent earns more). It is an estimate, not tax advice; check figures against GOV.UK before acting on them.