Keep What You Earn: Find Your True UK Marginal Tax Rate
When pay rises, overtime, or bonuses push you past key HMRC thresholds, hidden tax traps can claw back over 60% of your extra earnings. Check your true take-home pay, spot benefit cliff edges, and see how pension contributions can restore your allowances.
UK Marginal Tax & Tax Trap Calculator
See your take-home pay and real marginal rate across England, Wales, Northern Ireland, and Scotland—for single earners or couples.
- ✓60% Personal Allowance Taper: Pinpoints the 60% marginal band between £100,000 and £125,140 (67%–69% in Scotland).
- ✓Child Benefit Clawback (HICBC): See how much benefit you lose between £60,000 and £80,000 based on your family size.
- ✓Two-Earner Couple Modeling: Test single or joint incomes to protect 30 hours free childcare and see which partner should contribute to pension.
- ✓Clear Pension Solutions: Shows the exact pension contribution needed to escape the trap, with side-by-side comparisons of your take-home pay.
More Calculations Coming Soon
Electric Vehicle (EV) Salary Sacrifice, Dividend Tax, and Scottish Band Comparison tools are currently in development.
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Accurate Down to the Penny
Built to official HMRC tax rules and statutory rounding. Your net take-home pay and tax deductions match your actual payslip.
Clear Salary Sacrifice Comparisons
See how pension salary sacrifice restores your personal allowance and child benefit, comparing your take-home pay against pension growth.