Kikokotoo cha kodi ya mapato (Uingereza na Marekani)
Kodi ya mapato, National Insurance au FICA na viwango vyako halisi na vya pembeni, pamoja na mgawanyo kamili wa madaraja ya kodi.
Kuhusu Kikokotoo cha kodi ya mapato (Uingereza na Marekani)
Kodi ya mapato, National Insurance au FICA na viwango vyako halisi na vya pembeni, pamoja na mgawanyo kamili wa madaraja ya kodi.
Sehemu ya kitengo cha “Kodi na mshahara” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha kodi ya mapato (Uingereza na Marekani)
Kinachohesabu na wakati wa kukitumia
Kinakadiria kodi ya mapato, National Insurance (Uingereza) au Social Security na Medicare (Marekani), viwango vyako vya ufanisi na vya pembeni, na mgawanyo wa kila daraja.
Jinsi ya kukitumia, hatua kwa hatua
- Chagua unapolipa kodi: England/Wales/Ireland ya Kaskazini, Scotland au Marekani.
- Weka mapato yako kwa mwaka kabla ya kodi.
- Ongeza michango ya pensheni au 401(k) inayolipwa kabla ya kodi na, nchini Uingereza, mpango wa mkopo wa mwanafunzi.
- Soma kodi, mshahara unaopokea mkononi na kiwango cha pembeni.
Maana ya kila ingizo
- Income – Gross Malipo kwa the mwaka.
- Filing status (US) – Sets the Kawaida deduction na brackets.
- Pension Inalipwa Kabla kodi – Reduces taxable income.
- Student loan mpango (UK) – Mpango thresholds na rates decide repayments.
Jinsi ya kusoma matokeo
- Income kodi – The Jumla ya kodi huko each band.
- Effective kiwango – Income kodi ÷ income.
- Marginal kiwango – Jumla kipimo tax on the next ya income, including National Insurance au FICA.
- Kodi by band – How much was taxed at each rate.
Fomula
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.
Mfano uliofanyiwa kazi
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%.
Dhana na mipaka
- 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.
Makosa ya kawaida
- Applying the top rate to all income. Only income in each band is taxed at that band’s rate.
- Forgetting National Insurance au FICA.
Maswali yanayoulizwa mara kwa mara
Kwa nini kiwango changu cha pembeni ni 60% kati ya 100,000 na 125,140 nchini Uingereza?
Posho binafsi (personal allowance) huondolewa kadiri mapato yanavyopanda, kwa hivyo kila pauni ya ziada inatozwa kodi ya 40% pamoja na posho iliyopotea, sawa na 60% kabla ya NI.
Je, Scotland ina viwango tofauti?
Ndiyo. Scotland huweka madaraja na viwango vyake kwa mapato yasiyo ya akiba. Chagua Scotland ili kuviona.
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.
Zana zinazohusiana
Maelezo
- Personal allowance
- £12,570
- Taxable income
- £37,430
- National Insurance
- £2,994
- Jumla kodi na deductions
- £10,48021% ya income
- Effective kodi kiwango (income kodi only)
- 15%
- Marginal kiwango on your next pound
- 28%income tax plus deductions on extra pay
- Take-home kwa mwaka
- £39,520
Kodi by band
| Band | Kiwango | Kodi |
|---|---|---|
| £0 hadi £37,430 | 20% | £7,486 |