🏠 Household Summary
👥 Household Members
Click on a household member to see their full income tax & National Insurance breakdown.
📝 Salary
📊 Take-Home Pay
⚙️ Options
🧾 Income Tax Breakdown
| Tax Band | Rate | Taxable Amount | Tax Due |
|---|
📋 Summary
🎓 Student Loan Deduction
🏢 Limited Companies
Any limited companies this person owns, drawing income as PAYE salary, dividends, or a mix. Corporation Tax's thresholds automatically split across every company owned by the same person.
This calculator provides estimates only and is intended as a guide.
Always consult HMRC or a qualified tax adviser for your specific circumstances. Does not include student loan interest or Plan 4/Postgrad loans.
🧮 Money Left After Costs
🧾 Household Costs
Costs are converted to a common annual figure (daily × 365.25, weekly × 52.18, fortnightly × 26.09, monthly × 12) then subtracted from combined household net income, along with your chosen accommodation cost (set on the Accommodation Cost tab), to work out what's left. Fixed costs are a flat amount (e.g. TV License); consumptive costs are a rate × units used (e.g. Electricity at 25p/kWh) and the amount recalculates automatically as you edit the rate or units. Names, amounts and frequency can all be edited directly in the list.
⚖️ Compare Accommodation Options
See what money-left-after-costs looks like under each option, side by side. Use "View" to see or edit an option's full details, or "Select" to make it your accommodation cost.
🏘️ Add Rent Option
Add a rent scenario to compare above. Use "View" on any option in the comparison list to see or edit its council tax, maintenance, ground rent, service charge, included bills, listing URL and notes — and "Select" to make it your accommodation cost.
The Mortgage option (if you've entered one on the Mortgage Overpayment tab) uses its standard monthly payment. Marking bills as "included" on a rent option strikes them through and excludes them from the Household Costs totals so nothing's counted twice.
🏦 Mortgage Details
This sets aside the standard mortgage payment shown below first, then applies the slider to whatever's left — unless "Mortgage" is selected as your Accommodation Cost option, in which case it's already accounted for there.
📉 Overpayment Impact
Estimates only, assuming a fixed interest rate and the same overpayment every month for the life of the loan. Check your mortgage terms before overpaying — many lenders cap overpayments (often 10% of the balance per year) or charge early repayment fees above that.