1. Individual taxpayer income
The headline result uses HMRC’s Survey of Personal Incomes for tax year 2023/24, published on 29 April 2026. The distribution covers individuals with some liability to Income Tax.
Total income includes employment income, self-employed profits, taxable pensions, property income, interest, dividends and other taxable income. The calculator interpolates on a logarithmic income scale between percentile anchors. Above the 99th percentile it uses a simple Pareto-tail extrapolation, so those results are deliberately shown as broad estimates.
People with no Income Tax liability are excluded from the HMRC table. The headline rank should therefore be read as a position among taxpayers, not all adults.
2. Full-time salary by age and region
The employee comparisons use ONS Annual Survey of Hours and Earnings data for annual gross pay. The embedded detailed tables are the 2024 provisional series because they provide the required age and regional percentile breakdowns.
These data cover full-time employee jobs where the employee had been in the same job for more than one year. A person with two jobs can appear twice. Self-employed income and business profits are outside the ASHE population.
The salary comparisons are disabled for part-time, self-employed and retired users because mixing working patterns would create a misleading rank.
3. Household living-standard estimate
Detailed mode estimates annual disposable income by applying 2026/27 Income Tax and National Insurance rates to the two entered gross incomes. For Scotland it uses the current Scottish non-savings income bands.
Housing costs are subtracted when entered. Household income is then equivalised using the modified OECD scale: 1.0 for the first adult, 0.5 for each additional adult and 0.3 for each child.
The resulting weekly amount is compared with the DWP Households Below Average Income median for financial year ending 2025: £719 before housing costs or £623 after housing costs. A lognormal approximation is used to estimate the percentile from the published median and inequality measure.
This part is intentionally described as an estimate. Benefits, council tax, pension contributions, salary sacrifice, childcare, student loans and unusual tax circumstances are omitted.
4. Monthly financial headroom and saving
This cash-flow comparison uses figures supplied by the user and does not produce a wealth percentile. The calculator divides the amount normally left after spending, and the amount normally saved or invested, by estimated monthly household take-home income.
The result is shown as pounds per month and as a percentage of estimated take-home income. The bar uses 30% as its full-width display point. It is a visual scale only; no official target is implied.
For broad context, the ONS household saving ratio was 8.9% in January to March 2026. That is an aggregate national-accounts measure and includes items that do not map neatly onto an individual household budget, so the site does not present it as a personal percentile.
5. Household wealth
The wealth comparison uses ONS Wealth and Assets Survey results for April 2020 to March 2022. Total household wealth includes net property wealth, private pensions, net financial wealth and physical wealth.
Key anchors include median household wealth of £293,700, the top 10% threshold of £1,200,500 and the top 1% threshold of £3,121,500. Interpolation between those points is approximate.
The wealth survey was collected during the pandemic and later lost its accredited-statistics status because of quality concerns around response rates. The figures remain useful for broad context but should not be treated as precise current thresholds.
6. Privacy
The calculator is client-side JavaScript. Income, household, saving and wealth figures entered into it are not submitted to the server. Standard server logs may still record ordinary visit information such as IP address, requested page and browser type.
7. Updating the site
The HMRC income anchors should be refreshed after each annual Personal Incomes Statistics release. ONS age and region tables should be replaced when a new detailed ASHE release is available. Tax and National Insurance assumptions should be checked at the start of each tax year.