Built for UK earners £100k–£300k

Stop overpaying tax.
Maximise your take-home.

The UK's £100k income cliff edge costs high earners thousands every year. Our calculator shows you exactly when salary sacrifice pays off — factoring in pension tax relief, personal allowance taper, Tax-Free Childcare, funded hours, and child benefit.

Free — no signup required

The £100k Trap

Earning over £100k triggers hidden costs that existing calculators don't model together

60%

Effective marginal tax rate between £100k–£125,140

£2,000

Lost Tax-Free Childcare per child per year

570 hrs

Lost funded childcare hours per child

£2,212

Maximum Child Benefit clawback per year

Everything in one calculation

No more juggling spreadsheets and separate HMRC tools

Personal Allowance Taper

See exactly how the 60% effective rate between £100k–£125,140 affects you and how to avoid it.

Tax-Free Childcare

Calculate your TFC eligibility and the government's 20% top-up on childcare costs (up to £2k/child).

Funded Hours

Model 15 and 30 hour entitlements for all ages, including the new working parent hours for under-3s.

Salary Sacrifice

Explore different sacrifice amounts and see how each could affect your total financial position.

Child Benefit (HICBC)

Calculate the High Income Child Benefit Charge taper and when it's worth claiming.

Side-by-Side Comparison

See your current vs optimised position with a clear annual and monthly breakdown.

How it works

1

Enter your income details

Salary, bonuses, dividends, and your partner's income.

2

Add your children (optional)

Date of birth and childcare costs — skip if you don't have children.

3

Explore your scenario results

Instantly see estimated savings, benefit eligibility, and opportunities to explore with your adviser.

Built for a real problem

£5k+

Typical annual saving

6

Policies modelled

2 min

To get your result