Gift Aid guide
Gift Aid tax relief calculator
Who this helps
What the Gift Aid page helps you check
Why Gift Aid can matter more than the donation amount suggests
What this helps you decide
Gift Aid is tested on the gross amount
HMRC says every £1 of Gift Aid donation is treated as £1.25 when you work through the ANI reduction.
The threshold effect can be bigger than expected
A donation can reduce ANI, not just give charitable relief, which is why it is relevant for HICBC and Personal Allowance taper checks.
It is not the same as salary sacrifice
Gift Aid can reduce ANI, but it does not reduce National Insurance in the way salary sacrifice often does.
Use it inside the wider tax baseline
Seedli works best when the donation is tested against salary, bonus, pension, and the broader tax setup in one place.
Common questions
Does Gift Aid reduce adjusted net income?
Yes. HMRC reduces ANI by the grossed-up Gift Aid amount, not just the net cash donation you paid.
Why is a £100 donation treated as £125 for ANI?
Gift Aid donations are grossed up by basic-rate tax. So every £1 donated under Gift Aid is treated as £1.25 when you are calculating ANI.
Can Gift Aid help with Child Benefit or the £100k trap?
Yes. Because Gift Aid reduces ANI, it can help reduce the High Income Child Benefit Charge or move you back below the Personal Allowance taper threshold.
Is Gift Aid the same as salary sacrifice or a pension contribution?
No. They are different relief routes, but they can all reduce ANI. Salary sacrifice may also change National Insurance, while Gift Aid does not.
Related calculators
Where to go once Gift Aid looks relevant
Adjusted Net Income calculator
Use the ANI calculator to see how the grossed-up donation changes your live threshold position.
£100k tax trap calculator
Use this when the main issue is restoring Personal Allowance rather than the donation itself.
Child Benefit tax charge calculator
Use the household HICBC calculator when the donation is only useful because the family is inside the taper band.
Tax and payslip planner
Move into the full tax planner when you want Gift Aid, PAYE, and liability effects in one saved baseline.
Save this setup in Seedli