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Non-savings

Gross Salary

Bonus

Employee

Salary Sacrifice

Mode

% of Gross Salary Gross Salary used: £0

Amount (£)

Contractual exchange of salary for employer pension. Reduces Income Tax and employee NI. (Enter £ or % of gross salary.)

Net Pay Arrangement

Mode

% of Gross Salary Gross Salary used: £0

Amount (£)

Taken from gross pay before tax (tax relief automatic). No employee NI relief. (Enter £ or % of gross salary.)

Relief at Source (Net)

Mode

% of Gross Salary (net)

Amount (£, net)

Enter the net you pay. Your provider adds 20% basic-rate relief (gross-up ×1.25). Claim any higher/additional-rate relief via Self Assessment.

Employer

Employer Contributions

Mode

% of Gross Salary Gross Salary used: £0

Amount (£)

Employer contributions don’t directly affect take-home but count toward the Annual Allowance (incl. taper checks). % uses Gross Salary (not bonus) as the base.

Pension

See “Pension Contributions” section above.

Cycle to Work

Workplace Nursery Fees

Ultra-low/EV Company Car Lease

Other

Total

Company car

Fuel for private use

Private medical/dental insurance

Gym/health club membership

Other

Total

£0

State Pension

Private/Occupational (PAYE)

Annuities

Drawdown/UFPLS (taxable part)

Overseas pensions

Enter taxable pension income only. Don’t include the 25% tax-free lump sum (PCLS). If tax is deducted by the provider (PAYE), still enter the gross amount.

Total (posted as Pension Received)

£0

Gross Rent

Allowable Deductions

Net Rental Income (used)

£0

Mortgage Interest

Net Rental Income is currently calculated as Gross Rent − Allowable Deduction and is clamped at £0 (property losses not modeled yet). Mortgage Interest is being captured now and will create a credit in the next step.

Gross receipts

£1,000 trading allowance

Allowable expenses

Taxable self-employment income (used in calculation)

£0

If your total receipts for the year are £1,000 or less, they’re treated as £0 for tax (you usually don’t need to report). If above £1,000, you can deduct either the £1,000 trading allowance or your actual expenses (not both).

Charitable Donations

Gift Aid (after-tax donations): enter the amount you paid. This calculation will gross it up by 25%. This extends your Basic Rate Band and reduces Adjusted Net Income. You must have paid at least this much UK Income Tax or Capital Gains Tax in the year to cover the charity’s reclaim. Exclude Payroll Giving (via your employer) — that’s taken before tax and doesn’t belong here.

Savings

Savings Interest (Gross)

Dividends

Total Taxable Income: £0

Expand the Basic Rate Tax Band:

Amount Expanded

£0

Relief at Source (Net)

£0

Charitable Donations

£0

Net Adjusted Income: £0

Income Tax Total: £0

Personal Allowance is £0

Non-Sav

Saving

Dividends

Rate

Tax

Total PA

Basic Rate Band is £0

Non-Sav

Saving

Dividends

Rate

Tax

Total BRT

Higher Rate Band is £0

Non-Sav

Saving

Dividends

Rate

Tax

Total HRT

Additional Rate Band is £0

Non-Sav

Saving

Dividends

Rate

Tax

Total ART

Total Income Tax

National Insurance Total: £0

NI options

Director (annual NIC rules)

Appointment date (optional)

Uses annual thresholds (pro-rated if appointed mid-year).

Over State Pension age (no employee Class 1) NI deferment for this job (2% only above UEL) Include voluntary Class 2 No Class 4 (not self-employed) No NI (override)

Pension & other salary sacrifice reduce NI-able pay; Net Pay Arrangement doesn’t. Most benefits in kind are employee NI-free (Class 1A is employer-side).

NI-able pay used: £0

Class 1 (Employee)

Primary Threshold → UEL £0

Above UEL £0

Subtotal (Class 1) £0

PT £12,570, UEL £50,270.

Class 2 (Self-employed flat rate)

Status £0 (not required; voluntary available)

Subtotal (Class 2) £0

Class 4 (Self-employed profits)

LPL → UPL £0

Above UPL £0

Subtotal (Class 4) £0

LPL £12,570, UPL £50,270.

Capital Gains Tax Total: £0

Capital gains inputs (this year)

Residential property gains Other assets gains Current year allowable losses Losses brought forward Annual Exempt Amount (AEA)

Selected year

2025/2026

Rates used: Residential 18% / 24%, Other assets 10% / 20%. AEA: £3,000.

Rate allocation (uses remaining basic-rate band)

Unused Basic Rate Band £37,700

Lower rate

Higher rate

Tax

Residential (18% / 24%)

£0

Other assets (10% / 20%)

£0

Total Chargeable Gains £0

Total CGT £0

High Income Child Benefit Chg: £0

Inputs

Number of eligible children Weeks paid (default 52) Child Benefit used for charge (£) default: estimated from children × weeks

Selected year: 2025/2026 Weekly rates: eldest/only £25.60, additional £16.95.

Charge calculation (included in Self Assessment)

Child Benefit amount used

£0.00

Adjusted Net Income (ANI)

£0

Charge starts at

£60,000

Full charge by

£80,000

Excess ANI over threshold (£60,000)

£0

Percentage recoverable

0% (1% for each whole £200 over)

HICBC payable (recovered via SA)

£0.00

Net Child Benefit kept (after charge)

£0.00

Enter the exact Child Benefit total received if it differs from the estimate. Leave blank to use the estimate.

Student Loan Repayments: £0

Inputs

Undergraduate plan Also repaying a Postgraduate Loan (6%) Repayment income used (£) default: salary + bonus − pension/non-pension salary sacrifice + self-employed profits

Selected year: 2025/2026

Repayment calculation

Repayment income used

£0

Undergraduate plan selected

—

UG threshold (year)

£0

UG repayment rate

UG repayment due

£0.00

PGL threshold (year)

£0

PGL repayment rate

PGL repayment due

£0.00

Total SLR for the year

£0.00

Salary sacrifice (pension & non-pension) reduces your SLR pay; Net Pay Arrangement does not. For Self Assessment, HMRC can also assess repayments on certain non-earnings if applicable — use the override if you need a different base for edge cases.

Total Taxes and Charges: £0

Included in total

Income Tax

£0

National Insurance

£0

Capital Gains Tax

£0

High Income Child Benefit Charge

£0

Student Loan Repayments

£0

Grand Total

£0

This total is a straight sum of the sections above (no additional offsets/credits applied here).

Net Total: £0

Item

Value

Tax / charges

Net

Total

£0

What’s included in the Calculation

Allowances:

✓Starting Rate for Savings
✓Savings Allowance
✓Dividend Allowance
✓Blind Person's Allowance
✓Marriage Allowance

Limit checks:

✓Personal Allowance Taper
✓Pension Contribution Annual Limit
✓Tapered Pension Annual Allowance

Expansion of the Basic Rate Tax Band:

✓Impact of Private Pension Contributions
✓Impact of Charitable Donations

Known Limitations

!Only current year income tax is calculated — no adjustment for refunds, payments on account, or carryovers from prior years.
!Scottish tax is not currently included.

Latest Blog Post:

UK Self Assessment Calculator: Estimate Your Tax Bill in 2025

Please Note

We think it's important that you understand the strengths and limitations of this site.

At taxgrid.co.uk we make every effort to keep up to date with the latest tax rules, but we cannot guarantee to be perfect, so please note that you use this information at your own risk as we cannot accept liability if things go wrong.

This information does not constitute financial advice.

Always do your own research to ensure it's right for your specific circumstances.

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Personal Allowance is £0

Basic Rate Band is £0

Higher Rate Band is £0

Additional Rate Band is £0

What’s included in the Calculation

Allowances:

Limit checks:

Expansion of the Basic Rate Tax Band:

Known Limitations

Latest Blog Post:

Please Note