What is your next £1 actually worth?

See how much of a pay rise or extra income you actually get to keep after UK tax and deductions. No recommendations — just the numbers.

YOU MOVED YOUR SALARY

£0 → £0

£0

of that increase reaches you after the modelled deductions

YOU KEEPMODELLED DEDUCTIONS

Playground

Drag the salary. Everything updates live.

SCENARIO SALARY

New ANI

Allowance

Tax change

NI + loan change

You choose the scenario. We show the numbers.

Your cliffs

Places where the tax rules affecting your position change.

Your starting point

Change the assumptions underneath the experience.

Salary

Bonus

Taxable RSU/stock compensation through payroll

Salary sacrifice

Relief-at-source pension (what you pay)

Gift Aid (what you donate)

Other taxable income included in ANI

Undergraduate student loan

Postgraduate Loan as well?

Child Benefit relevant?

Model scope: England, Wales and Northern Ireland income tax only; Scottish Income Tax is not currently modelled.
Student loans: annual estimate. Actual PAYE deductions are calculated by pay period and can differ, especially with bonuses or uneven pay.
Child Benefit: the HICBC threshold is shown, but the Child Benefit charge itself is not included in take-home calculations.
RSUs/shares: enter taxable employment income processed through payroll. Vesting schedules, share disposals and Capital Gains Tax are not modelled.
Other taxable income: use this for taxable income relevant to ANI that is not already included above; Keep does not determine every component of ANI for you.

How are these numbers calculated?

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Keep is an information and scenario-modelling prototype for England, Wales and Northern Ireland. It does not recommend financial actions and is not a tax return.