Threshold vs After Tax

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

See exactly what lands in your bank account. After Tax is a fast, private UK salary calculator that shows your real take-home pay in seconds. Enter your gross salary and instantly see your monthly and annual take-home, with a clear breakdown of every deduction. No ads, no tracking, no account required. Everything is calculated on your device. FEATURES • Income tax — accurate to HMRC 2026/27 rates and thresholds • National Insurance — Class 1 employee contributions • Student loans — Plans 1, 2, 4, 5, and Postgraduate • Pension contributions — including salary sacrifice • Scotland toggle — full Scottish income tax bands supported • £100k+ personal allowance taper — handled correctly • Annual, monthly, weekly, and daily views • Compare tax years • Dark mode, Dynamic Type, and full accessibility support BUILT FOR THE UK After Tax uses the current official rates and thresholds from HMRC and the Student Loans Company. It's updated every April when the new tax year begins. If HMRC changes a threshold, After Tax is updated within days. PRIVATE BY DESIGN Your salary is yours. After Tax doesn't use analytics, doesn't phone home, and doesn't need an account. Calculations happen entirely on your iPhone. FEEDBACK Made by an independent UK developer. Get in touch at aftertax@lloydowen.dev — suggestions for features and new tax-year updates always welcome.