Illustrates how your "Total Annual Package & Income Value" is distributed.
UK Tax Calculator
(2025/2026 Estimates)
This calculator offers an illustrative forecast of your monthly and annual take-home pay, helping provide insights into the effects of salary sacrifice schemes and highlighting common UK tax traps.
Disclaimer - please read
Income and basic details
Note: For the 2023/24 tax year,
this calculator uses a single NI rate of 12% for
simplicity and does not model the mid-year rate
change to 10%.
£
Pension details
Salary sacrifice & other deductions
Student Loan details
Additional income & benefits
Summary
Income & Taxable Benefits:
Gross Annual Income (Salary + Bonus):
Annual Dividend Income:
Net Additional Annual Income:
EV Benefit-in-Kind (Taxable Value):
Other Annual Taxable Benefits:
Key Figures for Tax Calculation:
Adjusted Net Income (for £100k test & HICBC):
Personal Allowance for Year:
Total Taxable Income for Year:
Taxes, NI & Charges:
Total Income Tax on PAYE Income:
Total Income Tax on Dividends:
Total Income Tax on Additional Income:
Total National Insurance (on PAYE):
Annual Student Loan Repayment:
Note: The total 9% undergraduate deduction
is allocated to the loan with the lowest
repayment threshold first.
High Income Child Benefit Charge:
Deductions:
Total Annual Cash Salary Sacrifice:
Annual ShareSave Deduction:
Other Annual Post-Tax Sacrifices:
Pension Allowance Check:
Total Pension Contribution (You + Employer):
Your Annual Pension Allowance:
Warning:
Key Rates & Final Outcome:
Overall Tax & NI Rate (on Total Gross):
Effective Marginal Tax Rate (Tax+NI): Rate of Income Tax (inc. 60% trap) & Employee NI on the next pound of PAYE earnings. Student Loan & HICBC taper can increase this further.
Childcare Allowance Impact Once your Adjusted Net Income (ANI) reaches £100,000, you lose your eligibility for both the 30 hours free childcare and the Tax-Free Childcare scheme. :
Total Yearly Take-Home Pay (All Sources):
Monthly Take-Home Pay Calculation
Normal Month(s) Take-Home
Bonus Month (April) Take-Home
Yearly Income & Deductions Calculation
| Gross Annual Salary | |
| Total Yearly Bonus | |
| Gross Annual Cash Income (PAYE) | |
| (+) Annual Dividend Income | |
| (+) Net Additional Annual Income | |
| Total Gross Income (All Sources) | |
| (-) Annual Pension Sacrifice | |
| (-) Annual Holiday Purchase Cost | |
| (-) Annual EV Cash Sacrifice | |
| (-) Annual Cycle to Work Sacrifice | |
| Income After Cash Sacrifices (from PAYE) | |
| EV Benefit in Kind of is added for income tax calculation. | |
| Other Taxable Benefits of are added for income tax calculation. | |
| National Insurance is calculated on PAYE Income After Cash Sacrifices + Bonus. Holiday cost spread according to input. | |
| (-) Total National Insurance Paid (on PAYE) | |
| (-) Annual Student Loan Repayment | |
|
Note: The total 9% undergraduate
deduction is allocated to the loan
with the lowest repayment threshold
first.
|
|
| Income Tax is based on (PAYE Income After Cash Sacrifices + Benefits + Bonus + Net Additional Income + Dividends) minus Personal Allowance (). | |
| (-) Total Income Tax Paid (All Sources) | |
| Tax on PAYE Income Portion | |
| Tax on Dividend Income Portion | |
| Tax on Additional Income Portion | |
| Overall Tax at Basic Rate (20%) | |
| Overall Tax at Higher Rate (40%) | |
| Overall Tax at Additional Rate (45%) | |
| (-) High Income Child Benefit Charge | |
| (-) Annual ShareSave Deduction | |
| (-) Annual Other Post-Tax Sacrifices | |
| Net Yearly Take-Home Pay (All Sources, after all tax & charges) | |