Your pay
Deductions
Advanced: employer contribution, pensionable salary & NI passback
Leave these at 0 unless you know they apply - the calculator defaults to using your full gross pay as the pension base, no employer contribution and no NI passback.
Your take-home pay
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Income thresholds: what you lose and how to keep it
Several allowances and benefits are withdrawn as your adjusted net income rises: your taxable income minus pension contributions and Gift Aid. Yours is .
Ways to bring your adjusted net income down
- Salary sacrifice into your pension. Saves income tax and National Insurance, and some employers add their NI saving to your pension. Many employers let you sacrifice a bonus too.
- Personal pension contributions (relief at source). Pay in £80 and the provider adds £20; the full £100 comes off your adjusted net income. Higher rate relief is claimed through Self Assessment.
- Gift Aid. Donations are grossed up by 25% and the gross amount comes off your adjusted net income. Claim the extra relief through Self Assessment.
- Other salary sacrifice schemes, such as an electric car or cycle to work, reduce your salary and so your adjusted net income.
- Limits: tax relief on pension contributions is capped at 100% of your earnings and the £60,000 annual allowance (including employer contributions), with unused allowance carried forward from the last three years. Salary sacrifice cannot take your pay below the National Minimum Wage, and a lower salary can reduce how much a mortgage lender will lend.
Multi-year tax projection Premium
If your adjusted net income grows at the rate below, this is where it lands and which allowances you keep. 2026/27 thresholds are held constant - adjust the growth rate to model real-terms pay rises or promotions.
How your income tax is worked out
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