Kalkulator cukai pendapatan (UK dan AS)
Cukai pendapatan, National Insurance atau FICA serta kadar efektif dan marginal anda, dengan pecahan penuh mengikut jalur cukai.
Tentang Kalkulator cukai pendapatan (UK dan AS)
Cukai pendapatan, National Insurance atau FICA serta kadar efektif dan marginal anda, dengan pecahan penuh mengikut jalur cukai.
Sebahagian daripada bahagian “Cukai & gaji” SmartCalcy. Ia berjalan dalam pelayar anda tanpa akaun, menggunakan mata wang dan unit anda sendiri (tukarkannya di bahagian atas halaman), dan memberikan anggaran untuk makluman sahaja, jadi semak panduan rasmi sebelum anda bergantung pada sesuatu hasil.
Cara menggunakan Kalkulator cukai pendapatan (UK dan AS)
Apa yang dikira dan bila menggunakannya
Menganggar cukai pendapatan, National Insurance (UK) atau Social Security dan Medicare (AS), kadar efektif dan marginal anda, serta pecahan mengikut jalur.
Cara menggunakannya, langkah demi langkah
- Pilih tempat anda membayar cukai: England/Wales/Ireland Utara, Scotland atau AS.
- Masukkan pendapatan tahunan anda sebelum cukai.
- Tambah caruman pencen atau 401(k) yang dibayar sebelum cukai dan, di UK, pelan pinjaman pelajar.
- Baca cukai, gaji bersih dan kadar marginal.
Maksud setiap input
- Income – Gross Gaji untuk the tahun.
- Filing status (US) – Sets the standard deduction dan brackets.
- Pension Berbayar Sebelum cukai – Reduces taxable income.
- Student loan pelan (UK) – Pelan thresholds dan rates decide repayments.
Cara membaca hasil
- Income cukai – The Hasil tambah cukai di each band.
- Effective kadar – Income cukai ÷ income.
- Marginal kadar – Jumlah tax on the next unit income, including National Insurance atau FICA.
- Cukai by band – How much was taxed at each rate.
Formula
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.
Contoh pengiraan
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%.
Andaian dan had
- 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.
Kesilapan biasa
- Applying the top rate to all income. Only income in each band is taxed at that band’s rate.
- Forgetting National Insurance atau FICA.
Soalan lazim
Mengapa kadar marginal saya 60% antara 100,000 dan 125,140 di UK?
Elaun peribadi ditarik balik apabila pendapatan meningkat, jadi setiap paun tambahan dikenakan cukai 40% ditambah elaun yang hilang, iaitu 60% efektif sebelum NI.
Adakah Scotland mempunyai kadar berbeza?
Ya. Scotland menetapkan jalur dan kadarnya sendiri bagi pendapatan bukan simpanan. Pilih Scotland untuk melihatnya.
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.
Alat berkaitan
Butiran
- Personal allowance
- £12,570
- Taxable income
- £37,430
- National Insurance
- £2,994
- Jumlah cukai dan deductions
- £10,48021% daripada income
- Effective cukai kadar (income cukai only)
- 15%
- Marginal kadar on your next pound
- 28%income tax plus deductions on extra pay
- Take-home setiap tahun
- £39,520
Cukai by band
| Band | Kadar | Cukai |
|---|---|---|
| £0 hingga £37,430 | 20% | £7,486 |