that's not how it works anne.
yonks ago, George III forfeit the income from his estates in return for a fixed sum from the government each year, with the government taking the profits; every monarch since then has made the same choice. today, the difference between the estates income and the civil list is a profit of £160m. if the monarchy were abolished, queenie would become mrs Windsor of acacia avenue, billionaire landlord, and the government would need to tax you £2.50 more each year to make up the difference.
52p out of pocket? or £2.50 out of pocket? your call.