Mind the Bands

UK Salary Calculator & Tax Optimiser

This calculator is for informational purposes only and does not constitute financial advice.·Privacy Policy

Income & Pay Details

Gross Annual Salary (£)

Annual Bonus (£)

Bonus Frequency

Other Income (£)

Pension & Deductions

Pension Type

Use percentage

Pension Contribution (%)

Other Salary Sacrifice (£)

Student Loan Plan

Benefits & Settings

Private Medical BIK (£)

Company Car BIK (£)

Enable Tax Optimization

Scottish Tax Bands

Childcare & Nursery

Number of Children in Nursery

Hours per Week per Child

Childcare Cost per Hour (£)

Eligible for Tax-Free Childcare

Child Benefit

Number of Children

Number of Eldest Children

Enter the number of children you receive Child Benefit for. The "eldest" is the child that receives the higher rate.

Net Take-Home

£0

Effective rate: NaN%

Gross salary minus all deductions

Marginal Rate

28.0%

Current band: Basic Rate

Tax on your next £1 of income, including NI, student loan, and allowance taper.

Income Breakdown

Gross Salary£0

Base salary + bonus + other income

Total Salary Sacrifice-£0

Pension, GAYE, and other pre-tax sacrifices

Taxable Income£0

Gross salary - sacrifices + benefits in kind

Personal Allowance£12,570

Income you don't pay tax on. Reduced by £1 for every £2 earned over £100k.

Tax & Deductions

Income Tax (Basic Rate)£0

20% on income from £12,571 to £50,270

Income Tax (Higher Rate)£0

40% on income from £50,271 to £125,140

Income Tax (Additional Rate)£0

45% on income over £125,140

Total Income Tax£0

Sum of tax from all bands

National Insurance (Employee)£0

8% on earnings £12,570-£50,270, 2% above

Pension Contribution£0

0% of your qualifying earnings

Tax Optimization

Next threshold (Higher Rate):£50,270