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
Calculate your exact take-home pay and effective marginal rate for single earners or dual-income couples across England, Wales, Northern Ireland, and Scotland.
- ✓60% Personal Allowance Taper: Pinpoints the 60% marginal band between £100,000 and £125,140 (67%–69% in Scotland).
- ✓Child Benefit Clawback (HICBC): Models the sliding-scale clawback between £60,000 and £80,000 for your family size.
- ✓Two-Earner Couple Modeling: Switch between single or joint incomes to protect 30 hours free childcare and see which partner should adjust.
- ✓Live Recommendations & Comparisons: Automatically identifies which tax trap you are in, suggests the exact pension sacrifice to escape it, and compares before-and-after take-home pay side by side.
More Calculations Coming Soon
Electric Vehicle (EV) Salary Sacrifice, Dividend Tax, and Scottish Band Comparison tools are currently in development.
Private by Design
Your financial entries never leave your device. We operate zero databases, save no calculations, and require no account signups. To keep this tool free, we display Google ads governed by your consent choices.
Accurate Down to the Penny
Built strictly to statutory HMRC tax legislation and official rounding rules. Your net take-home pay and tax deductions match your actual payslip.
Clear Salary Sacrifice Comparisons
See how smart pension contributions protect your child benefit and personal allowance, with an instant side-by-side view of take-home pay versus pension growth.