threshold. UK take-home & higher-rate tax planner
threshold is a calculator and planning tool for UK high earners. It shows your real take-home pay, income tax, National Insurance, student loans, pension, and surfaces the traps that bite hardest between £80k and £200k.
THE 60% TRAP, NAMED AND QUANTIFIED
Between £100,000 and £125,140 your personal allowance tapers away and your marginal rate jumps to 60%. threshold detects when you're in the trap, shows exactly how much allowance you're losing, and calculates the precise pension contribution that gets you back out, with the maths in full view.
WHAT YOU CAN WORK OUT
• Gross-to-net take-home: income tax, NI, student loans (Plan 1/2/4/5 + Postgraduate), pension
• The 60% trap: when it's active and the exact contribution to escape it
• Pension: salary sacrifice vs relief at source, carry forward of unused allowance, tapered annual allowance as income nears £260k
• SIPP contributions and the tax relief you'd reclaim, basic and higher rate
• Bonus, RSUs and split income, each stream taxed at its correct marginal rate
• High-Income Child Benefit Charge and the £100k childcare cliff edge
• Scottish income tax rates
• Save, rename and compare scenarios side by side
• Export a clean PDF summary
BUILT FOR NUMERATE PEOPLE
No hype, no jargon, no badges. Every figure traces back to the threshold and the HMRC rule behind it. The maths is the product; the design gets out of its way.
INFORMATION, NOT ADVICE
threshold is an information and planning tool, not a financial adviser. Figures are estimates. Consider speaking to an FCA-authorised adviser before making financial decisions.
SUBSCRIPTION
threshold Pro unlocks the full planner via an annual subscription with a 3-day free trial. Payment is charged to your Apple ID at confirmation of purchase. The subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your device account settings.
Terms of Use: https://threshold-site.pages.dev/terms
Privacy Policy: https://threshold-site.pages.dev/privacy
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