Tools · Budget
What the Budget means for your take-home pay
Enter your salary and see the before-and-after, in pounds per month. We update this page within the hour of the Chancellor sitting down.
England, Wales & Northern Ireland
Not yet. The Budget has not happened.
The date has not been confirmed. When it is, this page will show exactly what changes for you.
Right now the calculator below runs on current law, so it tells you where you stand today. Bookmark it, and it will show the comparison the moment the numbers are announced.
What changed
What it means at different salaries
| Salary | Now | After | Difference |
|---|
Monthly take-home, assuming no pension contribution and no student loan, so the tax change is visible on its own.
How we work this out
The same engine that powers our take-home pay calculator, run twice: once on current law and once on the announced rates. The difference is what actually lands in your account, after income tax, National Insurance, pension salary sacrifice and student loan.
Most Budget coverage quotes the headline threshold change. That is not the number you feel. A £1,000 rise in the personal allowance is worth £200 a year to a basic-rate taxpayer and nothing at all to someone earning £150,000, because their allowance has already tapered away. This page gives you your number rather than the average.
Changes usually take effect from the start of the next tax year, not immediately. Your payslip will not move the morning after the speech.
Frequently asked questions
When does this page update?
Within about an hour of the Chancellor finishing. We change the rates by hand rather than scraping, because Budget reporting in the first minutes is often wrong.
Does it cover Scotland?
Not yet. Scotland sets its own income tax bands and its Budget is separate. This page uses England, Wales and Northern Ireland rates.
Why is my change different from the headline figure?
Because headline figures describe a threshold, not a person. What you gain or lose depends on your salary, your pension contribution and whether you are inside the £100,000 personal allowance taper.
Is this official?
No. It is our reading of the announcement, published fast. Check anything that matters against HMRC once the detail is published.
An estimate to help you understand the announcement, not tax advice. Figures are rounded to the nearest pound.