Input Guidance – What to Include

• Gross Salary – Total annual salary before tax, including bonuses or commission.
• Salary Sacrifice – An agreement with your employer to REDUCE your gross salary and pay the "sacrificed" amount directly into, for example, your pension.
• Net Pay Arrangement – Your employee pension contribution is taken from your gross salary (before tax) but after National Insurance has been calculated.
• Benefit in Kind – Taxable value of company benefits like a car or private health insurance.
• Pension Received – Taxable income from state or private pensions.
• Net Rental Income – Rental income after allowable expenses.
• Other Income – Any other taxable income (e.g., freelance, trust income).
• Savings Interest – Interest from bank savings accounts before tax.
• Dividends – Dividends from shares or investments (gross).

Inputs That Affect Tax Bands

• RaS Pension Contributions – Include contributions to private pensions or SIPP from after tax income (relief at source). Limits include the lower of £60,000 or "relevant UK earnings" e.g. gross salary.
• Charitable Donations – Include Gift Aid donations made during the year from after tax income.

What’s included in the Calculation

• ✓Reduction of Personal Allowance for incomes over £100,000
• ✓Starting Rate for Savings
• ✓Savings Allowance
• ✓Dividend Allowance
• ✓Impact of Private Pension Contributions
• ✓Impact of Charitable Donations
• ✓Blind Person's Allowance
• ✓Marriage Allowance

What’s not included but coming soon

• Scottish tax

Latest Blog Post:

• UK Self Assessment Calculator: Estimate Your Tax Bill in 2025

Please Note

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