Na'urar lissafin harajin kuɗin shiga (UK da US)
Harajin kuɗin shiga, National Insurance ko FICA da kashin harajinku na ainihi da na gefe (marginal), tare da cikakken rabe-raben matakai.
Game da Na'urar lissafin harajin kuɗin shiga (UK da US)
Harajin kuɗin shiga, National Insurance ko FICA da kashin harajinku na ainihi da na gefe (marginal), tare da cikakken rabe-raben matakai.
Ɓangare ne na sashen “Haraji & albashi” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin harajin kuɗin shiga (UK da US)
Abin da yake lissafawa da lokacin amfani da shi
Yana ƙiyasta harajin kuɗin shiga, National Insurance (Birtaniya) ko Social Security da Medicare (Amurka), kashin harajinku na ainihi da na gefe (marginal), da rarrabuwa bisa kowane rukuni.
Yadda ake amfani da shi, mataki-mataki
- Zaɓi inda kuke biyan haraji: England/Wales/Northern Ireland, Scotland ko Amurka.
- Shigar da kuɗin shigarku na shekara kafin haraji.
- Ƙara gudummawar fansho ko 401(k) da aka biya kafin haraji kuma, a Birtaniya, tsarin lamunin karatu.
- Karanta harajin, albashin hannu da kashin gefe.
Ma'anar kowace shigarwa
- Income – Gross Albashi akan the shekara.
- Filing status (US) – Sets the Na yau da kullum deduction da brackets.
- Pension An biya Kafin haraji – Reduces taxable income.
- Student loan tsari (UK) – Tsari thresholds da rates decide repayments.
Yadda ake karanta sakamako
- Income haraji – The Jimilla na haraji a each band.
- Effective kashi – Income haraji ÷ income.
- Marginal kashi – Jimilla tax on the next raka'a na income, including National Insurance ko FICA.
- Haraji by band – How much was taxed at each rate.
Dabarar lissafi
UK: taxable income = income − personal allowance (12,570, reduced by 1 for every 2 over 100,000). Tax is 20% on the first 37,700 of taxable income, 40% to 125,140 and 45% above in England; Scotland uses six bands. National Insurance is 8% between 12,570 and 50,270 and 2% above. US: taxable income = income − standard deduction, taxed in 10% to 37% brackets.
Misali da aka warware
A UK taxpayer earning 50,000 has a personal allowance of 12,570, so 37,430 is taxable at 20% for 7,486 of tax. National Insurance is 2,994, take-home pay is 39,520 and the marginal rate is 28%.
Zato da iyakoki
- UK: standard tax code, no other income, no Marriage Allowance or benefits.
- US: federal tax only with the standard deduction. State taxes, credits and itemised deductions are excluded.
- Pension contributions are treated as paid before tax but not before NI.
Kurakuran da aka saba yi
- Applying the top rate to all income. Only income in each band is taxed at that band’s rate.
- Forgetting National Insurance ko FICA.
Tambayoyin da ake yawan yi
Me ya sa kashin gefe na ya kai 60% tsakanin 100,000 da 125,140 a Birtaniya?
Ana janye personal allowance yayin da kuɗin shiga ke ƙaruwa, don haka ana harajin kowace ƙarin fam a 40% tare da allowance da aka rasa, wato 60% na ainihi kafin NI.
Shin Scotland tana da kashi daban?
Ee. Scotland tana saita rukunanta da kashinta na kuɗin shigar da ba na ajiya ba. Zaɓi Scotland don ganin su.
Dated rules: UK tax year 2026 to 2027 (6 April 2026 to 5 April 2027), from GOV.UK. Rates and thresholds change each year, so check GOV.UK before relying on a figure. Dated rules: US federal figures for tax year 2026 (IRS Rev. Proc. 2025-32 and IRS notices). These calculators are estimates for planning, not tax advice.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Personal allowance
- £12,570
- Taxable income
- £37,430
- National Insurance
- £2,994
- Jimilla haraji da deductions
- £10,48021% na income
- Effective haraji kashi (income haraji only)
- 15%
- Marginal kashi on your next pound
- 28%income tax plus deductions on extra pay
- Take-home kowace shekara
- £39,520
Haraji by band
| Band | Kashi | Haraji |
|---|---|---|
| £0 zuwa £37,430 | 20% | £7,486 |