Income Calculator

Working out your take-home pay after children is more complicated than it used to be. Childcare costs, Child Benefit, funded hours, tax thresholds — they all interact in ways that most standard income calculators completely ignore. This calculator is built specifically for parents.

Use it to model your take-home pay for the 2025/26 tax year, including Child Benefit and the impact of the High Income Child Benefit Charge if either parent's adjusted net income exceeds £60,000. If there are two earners in your household, you can load a second calculator to model your combined take-home pay and find the income split that works best for your family.

One thing many parents don't realise: in the UK, most taxes are calculated individually. Depending on your household income, two part-time earners will often take home more than one full-time earner — because each person benefits from their own personal allowance and lower tax bands up to £50,270. Factor in childcare costs and funded hours entitlement, and the calculation shifts again. This calculator helps you see the full picture.