Earn more
Take home less?
Tax Cliff Map shows where the tax cliffs sit for you, or for you and a partner, what different scenarios do to your pay, and what changed in the Budget. Built for UK individuals and couples, 2026/27 rules.
Your numbers stay on your device. Nothing you type into the tool is uploaded.
Where do the tax cliffs sit, and what happens to take-home pay as income rises?
Tax rates step up, the personal allowance is withdrawn between £100,000 and £125,140 (60% income tax on the way through, 62% with National Insurance), and Child Benefit is clawed back above £60,000. The next pound is not worth the same everywhere, and the headline rates do not show it.
Move the salary and see how much of each extra £1 is deducted. A single earner example. Child Benefit, partners, pensions, savings and the Budget changes are in the full tool. Rules for 2026/27. Nothing you move here leaves your device.
What you get
A cliff map for you, or each of you
See how much of every extra £1 you lose, from £0 to £200,000, with the Child Benefit charge, the £100,000 cliff and the 60% band marked.
What a pension payment would do at each cliff
The extra pension payment that would bring income back under a threshold, and what it would cost in take-home after tax relief.
What the Budget changed
What changed on 28 October 2026 and from when, set against the rules used in the tool.
Just you, or you and a partner
Use it for 1 person or 2. If there are 2 of you, it also shows how Marriage Allowance and different splits of savings interest and dividends change the numbers.
Bonus or pay rise check
Enter a bonus or a pay rise and see how much you would keep, which cliffs it carries you across, and what paying part of it into a pension would do to your take-home.
The working, explained
See the working behind your take-home, what makes up the next £1 you earn, and key terms in plain English.
Rules, questions and dates
See the rules your figures are close to, questions people take to an adviser or accountant, and the dates that matter.
A 1-page summary to share
Your take-home, where each of you sits against the cliffs and your bonus result, on 1 page you can print, save as a PDF or take to a conversation with your partner or adviser.
See inside
Screenshots use example figures. You enter your own.
Who it is for
Individuals and couples in England, Wales and Northern Ireland, especially parents with an income around £60,000 to £125,000 who receive Child Benefit or use childcare support. It covers employment income, workplace pensions, savings interest, dividends, Gift Aid, student loans, Child Benefit, tax-free childcare and Marriage Allowance.
Not for Scottish taxpayers (Scotland has different income tax rates). Not covered: self-employment, rental income, benefits in kind, pension annual allowance tapering and the minimum-earnings tests for childcare support.
How accurate is it? It uses the UK tax rules published up to the date shown in the tool, checked against official sources and separate calculations. No calculator is 100% accurate, rules can change at a Budget, and results depend on the figures you enter. It is general information, not advice.
Reviews
Reviews are from verified purchases of the tool.
Get access
Your access covers the tax year you buy in, up to 5 April, using that year’s rules, including any Budget updates. When it ends, buy again for the next tax year to get the whole year with the new rules applied. Your numbers stay on your device, so save a backup file before access ends. Immediate access after payment.
Coming soon. This tool is not on sale yet.
Buy nowAfter you buy, you are emailed a licence key. Come back, sign in with your email, and paste the key in once to unlock your pass.
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