The full picture: base salary, bonus and overtime, the different pension & salary-sacrifice arrangements, student loans, and Child Benefit with the High Income Charge.
We start from your gross salary, take off the tax-free Personal Allowance (£12,570, which tapers away above £100,000), apply Income Tax at 20%, 40% and 45% across the bands, then deduct National Insurance and any pension or student loan. What is left is your take-home.
For every £2 you earn above £100,000 you lose £1 of Personal Allowance, so it is gone entirely by £125,140. That creates an effective 60% tax rate on income between those two figures, often called the 60% tax trap.
Yes. Choose Scotland and we apply the Scottish Income Tax bands, which differ from the rest of the UK. National Insurance is the same across the whole UK.
Most workplace pensions (salary sacrifice or net pay) reduce the salary you are taxed on, so you pay Income Tax, and often National Insurance, only on what is left. Enter your pension percentage and we account for it.
These results are estimates for general information only and are not financial advice. Check every figure yourself and seek appropriate advice from a qualified professional before making any decision. Read the full disclaimer.