Looking to keep more of your hard-earned money in 2025? ToolHubX’s free tax calculators—personal, limited company, and self-employed—offer multi-period breakdowns (Yearly to Hourly) to help you plan smarter. Here’s how to maximize savings using 2025/26 HMRC rates.
Tip 1: Optimize Your Salary—For a £30,000 gross salary, £12,570 is tax-free, leaving £17,430 taxable at 20% (£3,486). NICs add £1,394.40 (8% above £12,570), netting £25,119.60—adjust your salary to stay tax-efficient.
Tip 2: Claim Marriage Allowance—If your partner earns under £12,570, transfer £1,260 of your allowance for a £252 tax break. Our calculator shows this instantly.
Tip 3: Boost Pension Contributions—Add 5% (£1,500) to your pension on £30,000—reduce taxable income to £16,930, cutting tax to £3,386 and netting more take-home.
Plug your numbers into ToolHubX, hit "Recalculate," and see savings in real-time—HMRC-compliant estimates, not filings. Start now and reach out with ideas at support@toolhubx.uk!