Free ANI calculator
Adjusted net income calculator
Estimate your ANI and see how pay, pensions and Gift Aid affect your tax thresholds.
ANI calculator · Other tools
Your details
Start with your pay
Income
Step 1
How much are you paid?
Use annual salary if you know it, or match the pay cadence shown on your payslip.
ANI command centre
Your adjusted net income
Start with pay, bonus, pension, and Gift Aid. Seedli turns that into the threshold number HMRC uses for Child Benefit and the personal allowance taper.
Adjusted net income
£61,560.00
Gross income
£64,800.00
ANI reducers
-£3,240.00
Reducer needed
£1,560.00
To get back under £60,000.00
Monthly net
£3,849.78
55p of the next pound kept
Threshold map
One rail, all the cliffs
Tax year 2026-27. Move the inputs and the ANI marker shifts against the same threshold lines used inside Seedli.
Crossed on current ANI
Still ahead on current ANI
Still ahead on current ANI
Still ahead on current ANI
HICBC exposure
£0.00
Add Child Benefit only if the household claims it
Next 1 pound kept
55p
23.7% effective tax rate on this setup
Pension route
Net pay
£3,240.00 workplace pension deduction included
Private pension and Gift Aid
£0.00
Private pension and Gift Aid are grossed up for ANI
Refine take-home pay and Child Benefit
Fine tune
Add the payroll details only if you need a tighter read
The guided start above handles the important ANI inputs. These fields make the take-home estimate and HICBC cash exposure more precise without making the first step feel like a tax return.
How the marginal tax rate changes
Marginal Cliff
Marginal Rate Thresholds & Zones
Radar view of UK marginal tax jumps, including the 60% personal-allowance taper danger zone.
Current tax band
40% (Higher Rate)
Safe ZoneHeadroom remaining
£38,440.00
Until you hit the 60% tax trap.
True effective tax rate
23.7%
Total tax paid across all bands from your current projection.
Try a change, before making it
What could change your ANI?
Use the figures above to test an extra payment this tax year. Your existing contributions stay unchanged.
Changing payroll instead? Check salary sacrificeOptional, with Seedli Plus
Make room for it each payday.
Optional, with Seedli Plus
Make room for it each payday.
Your comparison and review date stay free. If one payment feels too much, Plus helps you explore a contribution schedule around your regular pay and bonuses.
Complete your comparison to preview an even monthly split.
See current prices and access
Explore monthly planningMonthly planning starts from your saved tax setup. This comparison does not change your payroll or move any money.
About this calculator and its assumptions
Who this helps
Who this ANI calculator is for
Why ANI matters before the rest of the tax plan
What this helps you decide
Best for working out ANI from employment pay
Use this page when salary, bonus, or other taxable income is the starting point and the real question is whether ANI has crossed a UK threshold.
ANI is not the same as taxable income
Threshold pressure is often different from the broader taxable-income picture because qualifying pension contributions, Gift Aid, and salary sacrifice can all change ANI.
Pension and Gift Aid usually matter more than people expect
If the real question is whether pension contributions reduce adjusted net income, this page shows the answer against the live threshold math rather than generic rules.
Useful before payroll or pension changes
It is the fastest way to check whether salary sacrifice, pension, or Gift Aid would move the current ANI position before you make a payroll or contribution change.
Common questions
What is adjusted net income?
Adjusted net income starts with total taxable income and then subtracts gross pension contributions, Gift Aid, and some other reliefs. It is the figure used for the Child Benefit charge and the personal allowance taper.
Is ANI the same as taxable income?
No. Taxable income and adjusted net income are related, but they are not the same number. ANI is the threshold test figure that HMRC uses for certain taper rules.
Do pension contributions reduce ANI?
Yes. Workplace pension contributions, private pension contributions, and salary sacrifice can all reduce ANI when they are set up in a qualifying way.
Does salary sacrifice reduce ANI?
Usually yes. Salary sacrifice reduces contractual pay before tax, so it can lower both ANI and National Insurance if the arrangement is set up through payroll.
How do I work out adjusted net income from salary and a payslip?
Start with annual employment income, then add bonus and other taxable income. After that, take off qualifying gross pension contributions and Gift Aid adjustments. A payslip is the pay anchor, not usually the whole ANI picture.
Do student loan deductions reduce ANI?
No. Student loan deductions reduce take-home pay, but they do not reduce adjusted net income. They matter for affordability, not for the ANI threshold test itself.
Related calculators
Related tax calculators in the same Seedli cluster
Adjusted net income vs taxable income
Use this when the main confusion is which income figure HMRC is actually testing for HICBC or the personal allowance taper.
Do pension contributions reduce adjusted net income?
Use this when pension is already the likely fix and you want the route comparison in plain English before changing contributions.
Child Benefit tax charge calculator
Use the dedicated HICBC calculator when the main question is how much of the household claim is exposed at the current ANI.
Salary sacrifice calculator
Use the salary sacrifice calculator when you want the real take-home cost of extra pension through payroll.
Tax and payslip planner
Open the broader tax planner when you want PAYE anchors, balance-due checks, and a fuller payslip-to-threshold read.
What happens when I save?
Save this setup in Seedli
See what a contribution could change
Related guides and tools
Useful guides
Plain-English guides around the same ANI threshold questions
Use these when your question is more specific than the main ANI calculator and you want a plain-English explanation before opening the broader planner.
How to calculate adjusted net income from a payslip
Start from one pay run, then layer in bonus, pension, and Gift Aid before relying on the ANI result.
Adjusted net income vs taxable income
See why the threshold figure can differ from the broader taxable-income view and why that matters for HICBC and the £100k taper.
Do pension contributions reduce adjusted net income?
Compare workplace pension, salary sacrifice, and private pension contributions when the goal is to reduce ANI efficiently.
Salary sacrifice calculator
Use payroll pension modelling when the likely ANI fix sits inside the payslip rather than outside it.
Student loan repayment calculator UK
Check the payroll deductions that affect take-home but do not reduce ANI, especially before changing salary sacrifice.