Adjusted Net Income
£61,560.00
Below taper trigger
Tax workspace
UK Adjusted Net Income (ANI) & Tax Calculator
Input salary, bonuses, and deductions to map your exact threshold pressure and spot the 60% trap before it lands.
Tax year: 2025-26
Related toolsANI calculatorChild Benefit chargeSalary sacrificePayslip tax toolBrowse all toolsOpen full Tax planner
Using 2025-26 thresholdsIncludes pension and student loanDraft saved in this browser
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 salary, bonus, pension, or Gift Aid changes might push you 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 it helps to check ANI directly before moving into the broader tax and payslip planner.
What this helps you decide
Best for salary and bonus checks
Use this calculator when you want a fast read on whether a pay rise, bonus, or side income is pushing you into the main UK taper zones.
ANI is driven by more than gross pay
Gross pension, private pension contributions, and Gift Aid can all reduce ANI, so the threshold position is often different from simple salary alone.
Useful before payroll changes
This is the quickest way to check whether pension or salary-sacrifice changes would meaningfully improve the threshold position before you touch payroll.
Seedli keeps the baseline
Once the numbers look right, save the setup into Seedli and compare pension, Gift Aid, and bonus scenarios without retyping the same baseline.
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.
Related calculators
Related tax calculators in the same Seedli cluster
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 you want the supporting explanation before you change pension, Gift Aid, or household claiming decisions.
How to calculate adjusted net income from a payslip
Use one pay run as a starting point, then see which deductions and adjustments matter before you rely on the ANI result.
£100k tax trap calculator
See how far ANI is above £100,000, how much Personal Allowance is at risk, and which reductions would clear the taper.
Gift Aid tax relief calculator
Check the grossed-up donation effect and why Gift Aid can be useful near Child Benefit or Personal Allowance thresholds.
Salary sacrifice vs private pension calculator
Compare two common pension funding routes and see why the take-home cost can differ even when ANI does not.
Pension contribution calculator UK
Check how extra pension funding changes ANI, take-home, and the distance to HICBC or the £100k taper.
Student loan repayment calculator UK
See how plan thresholds affect take-home and why student loan changes matter when testing salary sacrifice or pay rises.
Gift Aid and the £100k tax trap
See why Gift Aid can be part of the fix when ANI has drifted into the personal allowance taper band.