Free tools
Free UK tax and money calculators
Start with one focused calculator when you want a fast answer on ANI, Child Benefit tax charge, salary sacrifice, budget, or net worth. Save the draft once the numbers look right and carry the same baseline into the full product.
1. Check ANI
Adjusted Net Income calculator
Start here when the main question is whether pay, bonus, pension, or Gift Aid is pushing you over a tax threshold.
Open calculator2. Check the household charge
Child Benefit tax charge calculator
Use this once you know the higher earner is near the HICBC band and you want the household charge in pounds, not just theory.
Open calculator3. Test a payroll fix
Salary sacrifice calculator
Use salary sacrifice when the likely fix is extra pension through payroll and you want to see the real take-home trade-off.
Open calculatorMain tax cluster
The three tax problems people usually search for first
These pages work best as a cluster: adjusted net income tells you where the threshold pressure sits, Child Benefit shows the household charge that follows, and salary sacrifice lets you test one of the cleanest payroll fixes. Use the broader tax planner when you want the full payslip read behind those answers.
Adjusted Net Income calculator
Check ANI, the 60% tax trap, and whether pension or Gift Aid would move you back below key thresholds.
Open calculatorChild Benefit tax charge calculator
Estimate the High Income Child Benefit Charge and see how much ANI reduction would clear or reduce it.
Open calculatorSalary sacrifice calculator
Compare extra pension contribution against the real take-home cost after tax, NI, and ANI changes.
Open calculatorTax and payslip planner
Start from a pay run and build a broader UK tax baseline with PAYE, pension, and student loan anchors.
Open calculatorMore planners
Budget and net worth tools that connect to the same product
Use the planning tools when the immediate question is monthly cash flow or asset allocation rather than tax thresholds.
Helpful guides
Supporting pages around the same ANI, Child Benefit, and salary sacrifice questions
Use these when you want the plain-English explanation before opening the focused calculator. They support the same acquisition cluster rather than replacing the tools.
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.
Opt out of Child Benefit or keep claiming?
Understand the trade-off between receiving the payment, paying the charge, and keeping National Insurance credits in the household.
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.
How HICBC works for two-income households
Separate claimant, higher earner, and household cashflow so the Child Benefit decision is based on the right person.
Salary sacrifice vs SIPP vs relief at source
Compare the main pension funding routes when ANI, NI, and payroll efficiency all matter at once.
Carry the baseline forward
Get the free answer first. Save it when you want the full plan.
Seedli keeps the calculator setup so you can move from one focused answer into a full tax, budget, or net worth workflow without starting again.