Income 税款 calculator (UK 和 US)

如何使用Income tax calculator (UK 和 US)

它计算什么，何时使用

Estimates income 税款、National Insurance (UK) 或 Social Security、Medicare (US)、your effective、marginal rates, 和 a band-by-band breakdown.

使用步骤

1. Choose where you 薪酬 税款: England/Wales/Northern Ireland, Scotland 或 the US.
2. Enter your income 每 年份 before 税款.
3. Add pension 或 the UK, a student loan plan. 的 401(k) contributions paid before tax and,
4. Read the 税款、take-home 薪酬、marginal 利率.

各输入项的含义

• Income – Gross 薪酬件the 年份.
• Filing status (US) – Sets the standard deduction 和 brackets.
• Pension 有薪 before 税款 – Reduces taxable income.
• Student loan plan (UK) – Plan thresholds 和 rates decide repayments.

如何阅读结果

• Income 税款 – The 总和 each band. 的 tax
• Effective 利率 – Income 税款 ÷ income.
• Marginal 利率 – 总计 tax on the next 个单位 income, including National Insurance 或 FICA.
• 税款 by band – How much was taxed 以 每件 利率.

公式

UK: taxable income = income − personal allowance (12,570、reduced by 1件every 2 over 100,000). Tax 是 20% on the first 37,700 taxable income, 40% to 125,140、England; Scotland uses six bands. National Insurance 的 45% above 是 8% between 12,570 和 50,270 和 2% above. US: taxable income = income − standard deduction, taxed in 10% 至 37% brackets.

计算示例

A UK taxpayer earning 50,000 has a personal allowance 12,570、so 37,430 是 taxable at 20%件7,486 tax. National Insurance 是 2,994, take-home pay 是 39,520、the marginal rate 是 28%.

假设与局限

• UK: standard 税款 code, 否 other income, 否 Marriage Allowance 或 benefits.
• US: federal 税款 only with the standard deduction. State taxes、学分、itemised deductions are excluded.
• Pension contributions are treated as 有薪 before 税款 but not before NI.

常见错误

• Applying the top rate 至 each band 的 all income. Only income 是 taxed 以 that band’s 利率.
• Forgetting National Insurance 或 FICA.

常见问题

Dated rules: UK tax year 2026 兑 2027（6 April 2026 兑 5 April 2027）、从 GOV.UK. Rates、thresholds change each year、so check GOV.UK before relying on a figure. Dated rules: US federal figures件tax year 2026 (IRS Rev. Proc. 2025-32、IRS notices). These calculators are estimates件planning, not tax advice.

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