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If you are in the UK, 50k a year (above average but honestly, if even remotely close to London, not that much) will bring you a tax bill of around 38% (19k) if you consider employee NHS contributions ( data from http://www.listentotaxman.com/50000? ). So you are already at 38% and you have council tax (probably another 2k or more a year) plus VAT (21% or something?) on stuff you buy. I don't remember other taxes I paid while in the UK but these were the big ones. It isn't hard to get to the end of the year and see that you(+ employer) paid around 50-60% in taxes.

I live in Portugal, and if I consider VAT+income tax+social security contributions (self employed so I pay both parts or approx. 33% in social security) and ignoring other extra taxes (property, road tax, etc) 62% or so of the money I earn goes to the government (this was for 2014, my accountant did the math). I could probably get this lower with some creative accounting I guess.



> will bring you a tax bill of around 38% (19k) if you consider employee NHS contributions

You're adding on the employer NI contributions there.


Yes. That was the point of the grandfather post. That on top of that you even have employers contributions. If you add all of that you will get a value that often reaches 50-60%. I've given the example of myself, since I'm self-employed I pay everything, my tax rate is around 60%.


Ah, if you can still edit it then you might want to change "employee" to "employer" then.

In which case your effective tax rate is ~35% rather than 38%, 36325 / 55780.

My council tax is under £1200/year (and that's for the house, so we should only count half of that for me and half for my wife) and VAT is 20% on some but not all items. Pension contributions bring the tax rate down too, so it gets a bit hard to compare.


50k a year (above average)

Not just above average, but in the top decile earning more than 90% of the rest of the country.


Damn, never thought 50k was that good for UK to be honest. Always thought it was an ok one.

But even using 26.5k (average), we are at close to 30% on taxes on income alone) http://www.listentotaxman.com/26500?


It's not fantastic, it's just that the UK is a very unequal country with an expensive property market. 50k gives a comfortable middle-class lifestyle outside London.

If you weren't paying those taxes, how much would you have to pay simply for equivalent health/education/unemployment insurance/pensions cover?


That's the marginal tax rate. It's not your effective tax rate.


Sorry, can you explain the difference? When I was in the UK that was basically what I paid and never got anything back.


The marginal tax rate at £50k is actually 42%, just looking at income tax (40%) and NI (2% at that point).




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