Adjusted Net Income Calculator

Use this free calculator to work out your adjusted net income (ANI): the figure HMRC uses to decide your eligibility for Tax-Free Childcare, 30 hours free childcare and Child Benefit. Enter your salary, other income, allowable expenses, Gift Aid and pension contributions, and it grosses up the ones that need it automatically, so you just type in what you actually paid.

Getting this figure right matters. If either parent's adjusted net income tips over £100,000 you lose Tax-Free Childcare and 30 funded hours entirely (though children aged three and over still get 15 funded hours), and over £60,000 the High Income Child Benefit Charge starts. Not sure what counts towards your ANI, or want to see how it's worked out by hand? My full adjusted net income guide walks through every step with a worked example.

If you want to protect your entitlement, my premium calculators can help: a "break-even" calculator to model when a pay rise stops making you worse off, and my pension dump calculator for near the end of the tax year. Already claiming Child Benefit and over £60,000? My Child Benefit charge calculator shows how pension contributions could reduce your bill. Or if you'd rather I just ran the maths, a consultation is the right choice.

Written and designed by Catherine, founder of Milk & Money, who swapped PhD research for childcare analytics.