whats-left.co.uk

Your details

£
5%

Your own contribution, deducted before income tax.

Marginal rate factors

Children only affect the marginal rate charts. Student loans also reduce take-home and change effective rates.

0

Marginal charts only — High Income Child Benefit Charge (clawed back from £60,000 under current law). Does not change take-home or effective rates.

Repayments are a fixed % of salary above the plan threshold and stack on top of tax and NI.

Your results

Your employer pays you

£51,000

Tax paid today

£14,630

You take home today

£34,120

Highest take-home: Reform

+£1,486

Take-home pay by party

What lands in your account after income tax, National Insurance and pension - highest first.

Reform

£35,606+£1,486

Restore

£34,806+£686

Conservative

£34,768+£649

Labourcurrent law

£34,120baseline

Green

£34,120no change

Lib Dem

£34,120no change

Effective tax rate by party

Share of what your employer spends to employ you (salary + employer National Insurance) that goes to income tax, employee and employer NI.

Reform25.8%Labourcurrent law28.7%Conservative27.4%Green28.7%Lib Dem28.7%Restore27.3%
0%20%40%60%£0£50k£100k£150k

X-axis: annual salary up to £150k. Y-axis: effective rate = (income tax + employee NI + employer NI) ÷ (salary + employer NI).

Marginal tax rate by party

Of the next pound your employer spends to employ you (salary + employer NI), how much is taken by income tax, employee and employer NI.

0%20%40%60%80%£0£50k£100k£150k36.5%Reform
0%20%40%60%80%£0£50k£100k£150k36.5%Labourcurrent law
0%20%40%60%80%£0£50k£100k£150k34.8%Conservative
0%20%40%60%80%£0£50k£100k£150k36.5%Green
0%20%40%60%80%£0£50k£100k£150k36.5%Lib Dem
0%20%40%60%80%£0£50k£100k£150k36.5%Restore

X-axis: annual salary up to £150k. Y-axis: all-in marginal rate = Δ(tax + employee NI + employer NI) ÷ Δ(salary + employer NI).

Policies that affect these numbers

Reform UK

Source: 2024 contract

Personal allowance
Raised to £20,000 (from £12,570)
Higher-rate threshold
40% band starts at £70,000 gross (from ~£50,270)
National Insurance
Unchanged from current law

Labour (current law)

Source: 2025/26 Finance Act

Personal allowance
£12,570 tax-free, tapered away above £100,000
Income tax bands
20% basic · 40% higher · 45% additional
Employee National Insurance
8% between £12,570 and £50,270, then 2%
Role in this calculator
Baseline = current law (what you pay today)

Conservative

Source: 2024 manifesto + 2025 announcements

Employee National Insurance
Main rate cut from 8% to 6% (end-state pledge)
Income tax
Unchanged from current law
Personal allowance
Unchanged - £12,570 with the £100k taper
Child Benefit clawback
Household taper £120,000–£160,000 (modelled on your salary)

Green

Source: 2024 manifesto (reaffirmed 2025)

Employee National Insurance
8% on all earnings above £12,570 (no 2% upper rate)
Income tax
Unchanged from current law
Who it affects
Anyone earning above the £50,270 upper limit

Liberal Democrats

Source: 2024 manifesto

Income tax & National Insurance
No modelled changes to payslip taxes
Result vs current law
Identical take-home for employment income
Out of scope
CGT, bank taxes and hospitality VAT are not modelled here

Restore Britain

Source: 2026 "The Wealth of Our Nation"

Personal allowance
Raised to £16,000; the £100k taper is abolished
Basic-rate band
20% extended up to £100,000 gross
Private health & school fees
Made tax-deductible (not adjustable in this calculator)
National Insurance
Unchanged from current law