Free ANI calculator
UK Adjusted Net Income (ANI) & Tax Calculator
Work out adjusted net income from salary, bonus, pension, and Gift Aid so you can see the 60% trap, Child Benefit taper, and the next threshold that matters.
Guided tax read
Start with pay. See the threshold risk immediately.
Seedli keeps the first pass light: income, the question you care about, then only the reducers that change ANI. The deeper payroll fields stay below for precision.
Income
Step 1
What income should Seedli test?
Use annual salary if you know it, or match the pay cadence shown on your payslip.
ANI command centre
Your live ANI position
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 gross workplace reducer modelled
Private reducers
£0.00
Private pension and Gift Aid are grossed up for ANI
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.
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.
Next move
£1,560.00 reducer needed to clear HICBC
Child Benefit exposure is the main issue in this setup, so the next move is reducing ANI enough to get back under the taper start.
To clear HICBC start
£1,560.00
Gross pension or Gift Aid reduction needed to get below the taper start.
To get under 100k
£0.00
Useful if you want to clear the personal allowance taper zone.
Save this ANI result
Keep this ANI road map
This is more than a one-off number: it already knows the salary, pension route, Gift Aid, Child Benefit exposure, and next threshold gap. Save it and Seedli opens the tax workspace with this setup carried forward.
Current ANI
£61,560.00
Your salary, pension, Gift Aid, and threshold result come with you.
What would you like to do next?
What the account unlocks
This result stays editable
Your salary, pension, Gift Aid, and threshold result come with you.
The right planner opens
Keep these figures and open the month-by-month ANI plan.
You get a next move
Monthly ANI plan · HICBC recovery check
The saved version turns this into a month-by-month ANI plan, so pension, Gift Aid, and bonus changes can be tested without rebuilding the calculation.
Keep the editable version
A free account saves the inputs and result together. Email only sends a read-only copy.
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.
Save this setup in Seedli
Save the ANI result once the threshold read looks right
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.