Progressive Tax Brackets Infographic | Amortization Compound Interest Calculator

Finance infographic titled "Progressive Tax Brackets" using MONEY FLOW archetype (income → taxes → expenses → savings → investments), designed for an intermediate DIY investor. Show a left-to-right isometric 3D money-flow diagram on a dark dashboard background with glowing panels, subtle grid, high contrast data highlights, and clean financial UI styling. Include 5 labeled blocks, each with concept name in English, a key number / percentage / time, and a one-line caption in English:

1) "Gross Income" — "£60,000 / year" — caption: "Example only: annual income enters the progressive tax system in layers, not at one single rate."
2) "Tax Brackets" — "20% / 40% / 45%" — caption: "Illustrative example only: each slice of income is taxed at its own marginal rate, while lower slices keep lower rates."
3) "Net Pay" — "£46,000 / year" — caption: "Example only: after estimated tax, the remaining income continues into spending, saving, and investing decisions."
4) "Living Expenses" — "£2,500 / month" — caption: "Illustrative example only: core housing, food, transport, and bills reduce the cash available for wealth building."
5) "Savings & Investments" — "£1,333 / month for 20 yr" — caption: "Example only: money left after tax and expenses can be directed into long-term investing."

Add a side calculation panel labeled "Illustrative Example Calculation" with: "£1,333 / month, 6% / year, 20 yr = about £616,000" and caption: "Illustrative example only: compound growth depends on rate, time, and contribution consistency; this is not a forecast."

Also include a small summary callout labeled "Effective vs Marginal Tax" with metric: "Effective rate 23%" and caption: "Example only: the top bracket does not apply to the entire income, only the portion inside that bracket."

Visually represent money moving as illuminated GBP tokens and arrows through stacked tax gates, expense containers, a savings vault, and an investment growth platform. Use isometric 3D forms, editorial finance magazine illustration, clean chart aesthetics, vector-clean infographic layout. Color palette: dark dashboard with charcoal, graphite, midnight navy, electric blue, teal, amber, and limited neon green accents. Mood: sophisticated, analytical, modern, trustworthy.

All example figures must be clearly marked "example only" or "illustrative example only" in the image so they are not interpreted as forecasts or tax advice. No real bank / brokerage logos, no specific stock tickers, crypto coins, or fund names as recommendations, no watermarks.

All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, no real bank / brokerage logos, no specific stock tickers as recommendations, no watermarks Example numbers labeled "illustrative" so readers do not treat them as forecasts. No real broker or bank logos. No specific stock tickers, crypto coins or fund names as buy recommendations.