Your Money's Journey
Watch a salary get sliced
Set a salary and watch where it goes before and after it reaches you - including the slice your employer pays that never appears on a payslip. Every rate is the published one, linked below.
▸ How to play
- Slide to any salary - the slices recalculate instantly.
- Income tax and National Insurance follow gov.uk's own worked examples, to the pound.
- The employer's National Insurance line is money spent employing you that you never see.
- The VAT line is an identity, not an estimate: a sixth of every standard-rated pound.
- Nothing personal is stored - the sums happen on your device.
£35,000 a year
£6,279 left before it reached you - about £2,393 a month arrives. And your employer paid £4,501 in employer's National Insurance on top of your salary: money spent employing you that you never see on a payslip.
Then you go shopping
If 50% of your take-home goes on standard-rated goods and services, £2,393 of it is VAT - a sixth of every standard-rated pound, by definition. (Most food, children's clothes and rent are zero-rated or exempt; fuel, alcohol and tobacco carry their own duties on top.)
Where your £6,279 went
Split by the Treasury's own method - the same allocation HMRC prints on every Annual Tax Summary.
Worth sitting with: the debt-interest line. Servicing past borrowing takes more of your money than educating the country's children - £678 of yours against £647. The Treasury's method, in full.