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
England, Wales, NI & Scotland · Single or Couple
See your take-home pay and real marginal rate across the UK. Spot the 60% personal allowance taper and test pension strategies to protect your family's childcare and income.
- ✓60% Personal Allowance Taper: Pinpoints the 60% marginal band between £100,000 and £125,140 (up to 69% in Scotland).
- ✓Child Benefit Clawback (HICBC): Shows how much benefit you lose between £60,000 and £80,000 based on your family size.
- ✓Household Planning: Test individual or combined incomes to protect 30 hours of free childcare and see which partner should contribute to their pension first.
- ✓The £100k Childcare Cliff: See how contributing to a pension can leave you with more spendable cash each month by restoring up to 30 hours of free nursery care.
- ✓Pension Strategy Comparison: Shows the exact pension contribution needed to escape the trap, with side-by-side comparisons of your take-home pay.
- ✓Annual & Monthly Views: Switch between yearly totals and monthly take-home pay to see the exact effect on your regular payslip.
More Calculators Coming Soon
More UK tax and take-home pay calculators are on the way.
100% Private & Anonymous
Your numbers stay on your device. No sign-ups, no accounts, and we never see or store your financial figures.
Accurate to HMRC Standards
Built directly to official HMRC tax legislation and standard payroll rounding so your take-home pay estimates reflect your actual payslip.
Side-by-Side Comparisons
Compare your baseline take-home pay directly against pension and salary sacrifice options to see your true monthly cash difference.