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Compare modelled annual household cash after tax, entered pension, childcare and commuting for 2026/27. Eligibility and long-term wealth are not determined.
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£0 to £2,000,000; this income remains in both cases.
£0 to £2,000,000; removed in the one-income case.
Enter the bill after funded hours.
Use the amount shown in your childcare account.
Compares modelled annual cash after tax, National Insurance, pension, Child Benefit, childcare and commuting.
Modelled annual household cash after listed costs (£)
| Measure | Annual amount |
|---|---|
| Both working | £49,431 |
| One income | £40,200 |
Annual tax, deductions and entered costs; childcare is net of the entered Tax-Free Childcare assumption.
Annual outflows by scenario (£)
| Measure | Both working | One income |
|---|---|---|
| Income Tax | £11,638 | £8,332 |
| National Insurance | £4,378 | £3,056 |
| Student Loan | £0 | £0 |
| High Income Child Benefit Charge | £0 | £0 |
| Pension contributions entered | £3,650 | £2,750 |
| Childcare after entered TFC top-up | £13,440 | £0 |
| Commuting | £4,800 | £3,000 |
Illustrates the same income, tax and commuting assumptions at three monthly childcare amounts. Entered annual Tax-Free Childcare top-up is £3,360 in the current case, capped at 20% of each modelled childcare bill; this is not a provider price forecast.
Annual cash by childcare-cost assumption (£)
| Measure | Both working | One income |
|---|---|---|
| No childcare | £62,871 | £40,200 |
| Entered amount: £1,400/month | £49,431 | £40,200 |
| Double amount: £2,800/month | £32,631 | £40,200 |
Child Benefit, Tax-Free Childcare and Marriage Allowance eligibility or claim status follows your selections and is not checked. Tax-Free Childcare applies only to the both-working case and is capped at 20% of entered childcare. Enter childcare after any funded-hours offer. Tax calculations use 2026/27 employment Income Tax rates and standard NI; other regional childcare support is not included.
Employment benefits, employer pension contributions, care-provider rates, funded-hours eligibility, Universal Credit or NI-specific childcare subsidy, other income and allowances, debts, future earnings or pension growth, National Insurance credits and non-financial care value. Compare official rules and your own statement before acting.
Compare an illustrative UK household annual cash-flow total for a two-income setup and a one-income setup. Tax-Free Childcare and Marriage Allowance are optional user-entered assumptions; this page does not determine eligibility.
Enter annual gross salaries, monthly costs, student-loan plans, tax region and salary-sacrifice pension percentages. The one-income comparison keeps spouse 1 working; switch the spouse inputs if a different person will remain in work. Childcare should be your actual bill after any funded hours. Results use 2026/27 tax settings and assume full-year Child Benefit if selected; regional childcare support, other income, means-tested benefits, employment entitlements and long-term pension or earnings effects are excluded. No values are saved to an account: valid shared-link fields override the editable sample, and omitted fields use sample defaults. Invalid supplied fields use defaults and pause results until corrected or accepted. Edits update the shareable URL; Reset removes this calculator’s query keys and restores the sample. Check official rules and records; the comparison is not advice or a recommendation.
Official UK and devolved guidance for Child Benefit, tax, childcare schemes, Marriage Allowance and National Insurance. Childcare support is not calculated; enter your actual remaining bill.