A modern, interactive salary calculator built with React and Hero UI to help UK taxpayers optimize their pension contributions and avoid the £100,000 tax trap.

In the UK, your personal allowance (£12,570 for 2024/25) starts to reduce by £1 for every £2 you earn over £100,000. By the time you reach £125,140, you lose your entire personal allowance, creating an effective tax rate of 60% on income between £100k-£125k.

• Comprehensive Income Calculation: Input gross salary, interest income, and other salary sacrifice schemes
• Childcare Benefits: Calculate Tax-Free Childcare benefits for up to 3 children
• Real-time Optimization: Automatically calculates optimal pension contribution percentage
• Visual Feedback: Clear indicators showing if you're in the tax trap zone or optimized
• Modern UI: Built with Hero UI components for a beautiful, responsive design
• Dark Mode: Supports both light and dark themes

• Gross Salary (Annual)
• Interest Income (Annual)
• Other Salary Sacrifice (e.g., cycle to work, electric car schemes)
• Number of Children (max 3)
• Childcare Hours per Week
• Additional Childcare Rate (Hourly)
• Age of Each Child (for childcare benefit eligibility)

• Optimal Pension Contribution Percentage: The percentage of salary to contribute to your pension
• Adjusted Income: Your income after pension contributions
• Estimated Net Income: Your take-home pay after tax and NI
• Immediate Tax Impact: The difference in take-home pay (pension builds wealth)

• React 18 - UI library
• Vite - Build tool and dev server
• Hero UI - Modern React component library (formerly NextUI)
• Tailwind CSS - Utility-first CSS framework
• Framer Motion - Animation library

• Node.js 20 or higher
• npm or yarn

npm install

npm run dev

npm run build

npm run preview

This project is configured for automatic deployment to GitHub Pages using GitHub Actions. The workflow automatically builds and deploys the site whenever changes are pushed to the main branch.

1. Go to your repository settings
2. Navigate to "Pages" in the sidebar
3. Under "Build and deployment", select "GitHub Actions" as the source
4. Push to the main branch to trigger the deployment

The calculator uses 2024/25 UK tax rates:

• Personal Allowance: £12,570 (tapers between £100k-£125k)
• Basic Rate: 20% (up to £50,270)
• Higher Rate: 40% (£50,271-£125,140)
• Additional Rate: 45% (over £125,140)
• National Insurance: 12% (up to £50,270), 2% (above)
• Tax-Free Childcare: Up to £2,000 per child per year (children under 11)

This calculator provides estimates based on 2024/25 UK tax rates and simplified assumptions. It does not account for:

• Student loan repayments
• Scottish tax rates
• Marriage allowance
• Other tax reliefs or allowances
• Employer pension contributions
• Complex salary sacrifice arrangements

Always consult with a qualified financial advisor for personalized advice.

MIT

Contributions are welcome! Please feel free to submit a Pull Request.