TL;DR
Your take-home on £80k gross is £54k/year (32.8% effective rate).
structured-data: FinancialProduct · indexed for AI engines
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Full-time & contractor take-home · UK 2025/26 · England/Wales/NI

You'll keep
£53,757
/year · that's 67.2% of gross
Effective rate
32.8%
Marginal rate
42%
Optimise for
Smart preset · fully editable
Balanced plan. Sensible middle ground — solid pension, healthy take-home.
£
Treated as PAYE income
£
Taxable but not cash — e.g. company car
£
1257L · BR · D0 · D1 · K475 · NT · 0T
Scottish taxpayer
Use Scottish bands (Starter → Top)
%
%
Net contribution; HMRC adds 20% relief
£
£
Annual sacrifice for company EV
£
£
Buying extra holiday days
£
Plans 1/2/4/5 are mutually exclusive. Postgrad stacks on top.
Marriage Allowance
Receive £1,260 of partner's allowance
Triggers HICBC if ANI > £60k
£

Where it goes

Balanced order
year
Take HomeFocus
Cash in pocket
£53,757
Pension (You)
Goes to your pension pot
£4,000
Income Tax
Income tax
£18,632
National Insurance
Employee NI
£3,611
Gross£80,000

Adjusted Net Income

£76,000
The figure HMRC uses for personal allowance taper, HICBC, and gift aid bands.
Below £60k
HICBC
£100k trap
£125k+
£0£60k£100k£125k£160k+

Marginal effective tax rate

42%
What HMRC takes from your next £1 of income — including NI, student loan and traps.
£0£50k£100k£125k£175k
£100k trap zoneYour marginal curve

What if …

How your take-home changes when you tweak one variable.
Pension at 10%
vs your 5%
£50,557
−£3,200
Pension at 15%
+5pp salary sacrifice
£47,357
−£6,400
Salary £100k
right under the trap
£66,257
+£12,500
Switch to salary sacrifice
same %, NI savings
£54,637
+£880

Pension: cost vs invested

How much your take-home actually drops vs how much lands in your pot.
Cost to you
£3,200
out of pocket
Lands in pot
£8,000
incl. employer + relief
Every £1 out of pocket grows your pension by £2.50.

Income tax bands (rUK)

0% — Personal Allowance£12,570
20% — Basic Rate£41,700 · £8,340 tax
40% — Higher Rate£25,730 · £10,292 tax
Pension growth
Total going into pension this year
£8,000
Stress test
What if the world changes? Toggle a scenario.
simulator
New value
£53,757
Δ vs baseline
+£0
Real value 1yr out
£52,446
@ 2.5% CPI
Today£53,757
Now£53,757
Current plan. Scenario figures are illustrative — they scale your current calculation rather than re-running every band. Useful for direction, not for filing.

Estimates use HMRC rates for 2025/26 (England/Wales/NI). Edge cases may differ. Not financial advice — consult an accountant for tax planning decisions.

Watch & learn
UK Salary & Tax Explained (2025/26)
YouTube · Damien Talks Money

UK Salary & Tax Explained (2025/26)

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