Adjusted Net Income
£61,560.00
Below taper trigger
Tax workspace
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.
Tax year: 2026-27
Current toolANI calculator
Jump sideways if the question changes, or carry the same draft into the full workspace.
Using 2026-27 thresholdsIncludes pension, Gift Aid, and student loanDraft saved in this browser
Common ANI searches
ANI calculatorAdjusted net income calculatorHow to work out adjusted net incomeANI vs taxable income
Use this page when the search query is really about the threshold number, then carry the same baseline into the full tax planner once PAYE, student loan, and year-end tax also need to be checked.
Projected monthly net
£3,849.78
£46,197.40 annual take-home
HICBC exposure
£0.00
Add Child Benefit only if relevant
Next £1 kept
55p
23.7% effective tax rate
Core income
Base pay and taxable income
Deductions & reliefs
Payroll and tax adjustments
Additional ANI adjustments
Optional reducers and HICBC context
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.
Current read
Where this setup sits
HICBC check
Taper bandAbove by £1,560.00
ANI is inside the taper band between £60,000.00 and £80,000.00.
Personal allowance taper
ClearBelow by £38,440.00
Personal allowance taper starts at £100,000.00.
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 setup
Save this ANI setup
Keep this exact ANI setup, unlock scenario compare, and track the same thresholds over the year.
Create free account to saveSave or share this ANI read
ANI £61,560.00. Projected monthly take-home £3,849.78.
Who this helps
Who this ANI calculator is for
Use this when you already know the main question is adjusted net income rather than a full tax return. It is especially useful if you want to work out ANI from salary, bonus, pension, or Gift Aid before you move into the wider plan and check whether you are near the Child Benefit taper or the personal allowance taper.
Why ANI matters before the rest of the tax plan
Adjusted net income is the threshold test figure that drives multiple UK tax cliffs. It is not the same as simple taxable pay, which is why people searching for an adjusted net income calculator usually need a more direct answer before moving into the broader tax and payslip planner.
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 baseline once the threshold read is right
Seedli keeps this ANI setup and lets you test pension, Gift Aid, and bonus changes against the same baseline over time.
Create free account to saveUseful guides
Plain-English guides around the same ANI threshold questions
Use these when the search query is slightly more specific than “ANI calculator” and you want the 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.