Three quiet rules can take far more of your pay than the headline rate suggests. Enter your salary to see which apply. Rates checked 23 October 2026.
Estimate only. Rates for 2026/27, England, Wales and Northern Ireland: personal allowance £12,570, reduced by £1 for every £2 of adjusted net income over £100,000 and gone at £125,140; 20% basic rate to £50,270; 40% to £125,140; 45% above. Employee National Insurance (category A, 2026/27) 8% between £12,570 and £50,270 and 2% above. High Income Child Benefit Charge: 1% of the benefit for every £200 of adjusted net income over £60,000, fully clawed back at £80,000, using £27.05 a week for the eldest child and £17.90 for each other child, taken from GOV.UK. Rates checked 23 October 2026. The charge here is based on your income alone; it applies to whichever partner has the higher income. The freeze on the thresholds to April 2031 was announced at the Autumn Budget 2025 and is approximate until legislated. Not modelled: student loans, Scottish rates, savings and dividends, benefits in kind, the pension annual allowance, Gift Aid. This is information, not financial or tax advice.
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