Rates & sources
UK tax rates and thresholds, as published by HMRC. Scotland and Wales have devolved rates for income tax and property transactions.
Source: HMRC — Tax rates — figures refreshed at the start of each tax year.
When to use this calculator
- Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
- When you want to compare employed, self-employed, or dividend-based income scenarios.
- When you need a simple take-home estimate before running payroll or filing returns.
- When you are approaching the £100,000 income level and want to understand the personal allowance taper effect.
- When you are planning a salary sacrifice arrangement and need to see the net pay impact before agreeing terms.
A realistic Australia planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Annual Gross Salary (A$)
A$80,000
Annual Salary Sacrifice Amount (A$)
A$80,000
Marginal Tax Rate
19% ($18,201–$45,000)
Current Super Balance (A$)
A$1,400
After entering these figures, review annual tax saving, income tax saved and contributions tax together rather than in isolation — each metric tells a different part of the story. Then rerun the tool with one input adjusted to see which variable has the biggest effect on all three outputs before you settle on a plan.
How to read your results
Annual Tax Saving
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
Income Tax Saved
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
Contributions Tax
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
Take-Home Reduction
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Extra Super at Retirement
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Method & assumptionsAuthoritative sources
This calculator estimates the tax benefit of making pre-tax salary sacrifice contributions into superannuation under Australia’s 2024/25 rules. The core saving arises because concessional contributions are taxed at 15% inside your super fund rather than at your marginal income tax rate (plus the 2% Medicare levy), which can be as high as 47%. The calculator caps the effective sacrifice at the $30,000 concessional cap, then computes the contributions tax, the income tax and Medicare saving, and the net annual benefit. The projected extra super at retirement uses a future value of an annuity formula applied to the annual after-contributions-tax amount at your chosen growth rate.
All figures are indicative. The calculation assumes a flat marginal rate across the entire sacrificed amount, does not model carry-forward unused cap amounts, and does not account for Division 293 tax (an additional 15% on concessional contributions for those earning over $250,000). Individuals with income near a tax-bracket boundary should consider the effect of reducing their taxable income on their effective rate. Speak with a licensed financial adviser or registered tax agent before establishing or significantly changing a salary sacrifice arrangement.
Common mistakes
- !Entering gross income when you really want take-home pay, or vice versa.
- !Ignoring pension contributions, deductions, or local tax rules that change the result.
- !Comparing monthly and annual figures without standardising them first.
- !Overlooking the National Insurance threshold changes that apply mid-year when rates or bands are adjusted in a Budget.
- !Assuming a salary sacrifice benefit reduces take-home pay by the full gross amount, rather than only the after-tax cost.
What to do next
- Check the same scenario with related pay or deduction calculators to see the full picture.
- Keep a copy of the assumptions you used so you can compare next tax year or pay period accurately.
- Read the related guides below if you are choosing between multiple income or deduction options.
- If you are self-employed, run the self-employment tax calculator alongside this result to compare the net position against employed income.
- Check whether increasing your pension contribution by even one or two percent changes the take-home significantly — use the pension calculator next.
Frequently asked
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End-of-article next steps
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