Nomogram
Your net worth, priced daily. The UK tax rules, applied to it.
Nomogram tracks what you own and owe, values ISA, GIA and pension holdings at each London close, and shows what the next pound is charged, what a bridge to retirement costs, and what a Budget changes. Tax is calculated on your device.
New accounts are paused while the data-protection registration completes; existing accounts sign in as usual. When it opens: free for 30 days, then £19 once. No subscription.
Built and run by one person in the UK — about. Your figures are stored in a database in Ireland, readable only by your household; holdings are priced by a daily job that sends nothing but tickers. Details on the privacy page.
What it does
Every holding, priced daily
ISA, GIA and pension holdings valued at each London close, so your net worth moves when the market does.
The rules that bite at this income
The £100k cliff, the Child Benefit charge, the allowance taper, the bridge to 57 — computed from your figures, on your device.
Every year, to the one you stop
A projection that uses each year’s own tax rules and says how often a spread of outcomes met your spending.
See your marginal rate.
What the next £1 of salary is really charged, once income tax, National Insurance, the allowance withdrawal and a student loan are all counted. Drag the handles. Nothing you set leaves this tab.
How this chart works
The middle scale is graduated in income after the contribution. With a fixed sacrifice, the next £1 of salary raises adjusted net income, National-Insurance-able pay and student loan earnings by the same £1, so one scale answers for every salary-and-sacrifice pair and it can read the combined rate. A straight line between two points crosses at their midpoint, so the middle scale is drawn at half the spacing of the outer two. The identity holds for a fixed-amount sacrifice; a percentage is converted before it is drawn.On the next £1 income tax 40% · allowance withdrawal 20% · National Insurance 2%
Free for 30 days. Then £19, once.
Not a subscription. One payment, and the app is yours for good — every screen, every household, every year it runs. Nothing renews, nothing to cancel, no tier that holds a feature back.
- The first 30 days are the whole app, not a cut-down version of it. Decide with your own figures in it.
- Export is free whatever you decide: every row, as CSV, before, during and after. A tool that holds your history hostage does not deserve it.
- The calculators on this site stay free, with no account.
The same engine, asked five ways
- Scottish income tax — Marginal rate for a Scottish taxpayer across all six bands, including where the higher rate meets the National Insurance upper earnings limit.
- The childcare cliff — What Tax-Free Childcare and the funded hours are worth at your own nursery rate, and what crossing £100,000 of adjusted net income removes.
- Adjusted net income — Work out adjusted net income from salary, pension contributions, benefits in kind and Gift Aid — the measure the personal allowance taper, the childcare cliff and the Child Benefit charge all use.
- Salary sacrifice — What a pension salary sacrifice costs after income tax and National Insurance, entered either as a fixed amount or as a percentage of salary.
- The Child Benefit charge — How much of your Child Benefit the High Income Child Benefit Charge claws back between £60,000 and £80,000 of adjusted net income.
Questions
What is the 60% tax trap?
It is the effect of the personal allowance being withdrawn. Above a threshold of adjusted net income, the allowance falls by £1 for every £2 earned. That makes £1.50 of every extra £1 taxable, so income taxed at the higher rate is charged at one and a half times that rate over the band.
Why is the rate higher than 60%?
National Insurance is charged on top, at the rate that applies above the upper earnings limit. A student loan adds its own percentage. The combined figure is what actually comes out of the next pound.
What is adjusted net income?
Total income less reliefs, less gross relief-at-source pension contributions, less gross Gift Aid donations. It is the measure the personal allowance withdrawal, the High Income Child Benefit Charge and the childcare cliff all run on. It is not the same as salary, and it is not the same as taxable income.
What does salary sacrifice change?
Sacrificed pay is never received, so it is not in adjusted net income, not in taxable pay, and not in earnings for National Insurance or student loan purposes. Relief-at-source and net-pay pension contributions reduce adjusted net income too, but leave National Insurance and student loan repayments alone.
What is the childcare cliff?
Tax-Free Childcare and the funded hours both require adjusted net income at or below a threshold, for each parent. One pound over, for either parent, removes both schemes for both parents and all children. It is a discontinuity rather than a taper, so it has no marginal rate.
Is Child Benefit worth claiming when it is all clawed back?
A full clawback makes the award and the charge cancel out in money terms. Claiming still does two things the charge does not touch: the claimant receives National Insurance credits that count towards the State Pension for years spent caring rather than earning, and the child is issued a National Insurance number automatically before turning 16. A claim can also be made with payments opted out, which keeps both effects with no charge to repay.
Is this financial advice?
No. Nomogram is an information and calculation tool. It computes what a set of figures produces under the rules for a tax year. It is not authorised or regulated by the Financial Conduct Authority and it does not make personal recommendations.