See where each extra pound goes across income tax, allowance tapers, Child Benefit, childcare support and pension cliffs in one live map.
Your next £1,000
£280 goes to tax, NI or withdrawn support on the next £1,000 at this point.
Next cliff: £271 away
Higher rate begins at £50,271.
There is no pension or Gift Aid step to recover here.
Marginal rate for the next £1
Rate on next £1Click the chart to set income. Arrow keys move by £500.
Turn this on for Child Benefit, Tax Free Childcare and funded childcare cliffs.
Each card is one threshold or taper. The £ figure is what that cliff is costing you right now, based on your inputs.
adjusted net income, individual
£1 of Personal Allowance is lost for every £2 above £100,000. The effective marginal rate is around 60% inside this band. Pension or Gift Aid can often reduce this cliff.
Below this threshold.
taxable income, individual
£50,271 of taxable income (England, Wales, NI), frozen to April 2028. National Insurance changes at the same point.
Below this threshold.
taxable income, individual
45% income tax above £125,140 (England, Wales & NI). Personal Allowance is fully withdrawn and PSA is £0.
Below this threshold.
taxable income, individual
Higher-rate taxpayers get £500 of interest tax-free instead of £1,000. PSA uses UK-wide bands even in Scotland.
Below this threshold.
taxable income, individual
Additional-rate taxpayers get no PSA. Premium Bonds and ISA interest still don't count.
Below this threshold.
threshold income, individual
If threshold income is £200,000 or less the annual allowance is NOT tapered, even if adjusted income is higher. Personal pension contributions reduce threshold income. Bonuses and RSUs spike it.
Below this threshold.
adjusted income, individual
£1 of annual allowance is lost for every £2 of adjusted income above £260,000. It floors at £10,000 from £360,000+. Adjusted income adds back employer and most salary sacrifice contributions, so salary sacrifice may not get you out. Estimate only.
Below this threshold.
Counterweight
Some thresholds remove an allowance or benefit, but they don't wipe out every tax free wrapper. These separate allowances stay yours to use.
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Where does it all go?
UK public spending 2024/25, line by line
£1.29 trillion across 15 categories, welfare, NHS, debt interest, defence, the lot.
Background reading
6 min read
The 60% tax trap, explained
A closer look at the £100k to £125,140 Personal Allowance taper.
Background reading
6 min read
High Income Child Benefit Charge
How the £60k to £80k Child Benefit taper works and why adjusted net income matters.
High earners
4 min read
Find the right route
A compact map from thresholds to the calculators and guides that handle them.
Background reading
7 min read
Is salary sacrifice worth it?
How pension contributions can interact with the high-income thresholds on this map.
Privacy and independence
Built and maintained by Afterax as an independent educational UK tax calculator project. Calculations run in your browser using HMRC 2026/27 rates. Inputs can be saved on this device and included in share links.
Sources
Bands, thresholds and reliefs come from official sources and are checked when a Budget or in-year change is announced.
Last reviewed 14 May 2026 · updated for 2026/27 · view changelog →