Your inputs
You keep from this extra income
£0
Estimated monthly change: £0
What this means
Your extra income is currently landing in a relatively normal band, so the main drag is standard tax and NI rather than a special cliff edge.
Why is the marginal rate sometimes higher than 42%?
If student loans, the Personal Allowance taper, or HICBC are in play, the next pound can lose more than basic tax and NI. This calculator works by comparing your full annual position before and after the extra income.
What changes the answer fastest?
The three biggest levers are where your salary already sits in the bands, whether you sacrifice any of the extra income into a pension, and whether the extra income triggers student loan or Child Benefit drag.