Can You Save the UK? | UK-Debt.info

💷 Tax Changes +£0bn/yr

Basic Rate Income Tax (currently 20p) +0p

Each 1p raises ~£6.5bn/yr

Higher Rate Tax (currently 40p, top 10%) +0p

Each 1p raises ~£3.0bn/yr (affects top 10% of earners)

Additional Rate (currently 45p, top 1%) +0p

Each 1p raises ~£0.65bn (Laffer curve applies above ~55p)

VAT (currently 20%) +0%

Each 1% raises ~£8bn/yr. Regressive — hits lower incomes hardest.

Employer NI (currently 15%) +0%

Each 1% raises ~£8bn/yr but partly reduces wages.

Corporation Tax (currently 25%) +0%

Each 1% raises ~£3.8bn. Risk of profit-shifting above ~28%.

Wealth Tax (new, on assets >£1m) +0%

Each 0.5% raises ~£10bn. Requires valuation infrastructure.

👤 Impact on a £39,039 Median Earner

£39,039

Gross Salary

£5,486

Income Tax Paid

£2,012

Employee NI

£31,541

Take-Home Pay

19.3%

Effective Rate

12 Mar

Tax Freedom Day

✂️ Spending Changes +£0bn/yr

NHS Budget (currently £204bn) 0%

Each -1% real cut saves ~£2bn. -10% = A&E waiting times double.

Welfare & Benefits (currently £334bn) 0%

Each -1% saves ~£3.3bn. -10% affects ~4m households.

State Pension Triple Lock Keep

0=Keep triple lock · 1=Double lock (CPI/earnings) · 2=CPI only

Defence Spending (currently 2.3% GDP) +0%

Each +0.1% GDP adds ~£3bn/yr. 2.6% target = +£36bn vs today.

Civil Service Efficiency (%) 0%

Each -1% real cut to non-protected depts saves ~£1.5bn/yr.

Foreign Aid (currently £11.2bn) 0%

-100% abolishes foreign aid (saves £11.2bn — about 1 week of NHS costs).

Pension Age (currently rising to 67) 67

Each year added saves ~£8-10bn/yr in state pension costs.

📈 Economic Levers ±£0bn/yr

GDP Growth Rate (%/yr above OBR baseline) +0.0%

Each +0.5% extra growth raises ~£15bn more revenue within 5 years.

Gilt Yield Change (vs current ~4.5%) +0.0%

Each +1% adds ~£18bn/yr as gilts refinance. Full effect takes ~13 years to feed through — by 2039 at the earliest.

Productivity Reform Boost (%/yr extra) +0.0%

Planning reform, AI adoption, trade deals. Takes 5-10 years to materialise.

Net Migration (000s/yr, currently ~700k) 0k

Each +100k working migrants adds ~£2bn/yr net tax. Reduces only slowly.

Inflation Target (BoE, currently 2%) 2.0%

Higher inflation erodes real debt but raises index-linked gilt costs & wages.

DEBT/GDP TRAJECTORY — YOUR SCENARIO vs OBR BASELINE

Adjust the levers on the left. The blue line is the OBR baseline. The green/red line is your scenario.

⬜ Debt below 100% GDP by 2035

⬜ Debt stabilising by 2040

⬜ Debt falling by 2050

⬜ Debt below 60% GDP by 2075 (Maastricht)

OBR Baseline (no changes)

Your Scenario

OBR "With shocks" worst case

100% GDP danger line

£132bn

Annual Gap 2030

£180bn

Annual Gap 2040

~100%

Debt/GDP 2035

~210%

Debt/GDP 2050

£110bn

Interest Bill 2030

£0bn

Total Saved/yr

📋 How to use this: Each lever on the left changes the UK's fiscal position. Tax rises and spending cuts reduce the annual deficit immediately. Growth improvements take 3-5 years to feed into revenues. Interest rate changes affect costs gradually as gilts refinance over ~13 years. The chart shows the resulting debt/GDP ratio to 2075 — your job is to get the green line below the 100% danger line and keep it there.

🇬🇧 CAN YOU SAVE THE UK?