Stop losing money
to unnecessary tax
See exactly how much the 60% tax trap is costing you — then eliminate it, legally, with personalised strategies.
Everything you need
Free tools to understand your tax. Premium tools to reduce it.
Tax Calculator
Income tax, National Insurance, and take-home pay for any tax year.
FreeTax Tools
Marriage allowance checker, tax code decoder, and more free utilities.
FreeBlog & Tax Tips
Articles on the 60% trap, tax-year changes, and common mistakes to avoid.
PremiumTax Strategies
Personalised pension, salary sacrifice, and Gift Aid recommendations.
Premium60% Trap Analysis
See your exact marginal rates, extra tax burden, and how to escape.
PremiumPension Projector
Project your pot, estimate drawdown income, and find your savings gap.
How it works
Three steps from overpaying to optimised.
Discover what you’re losing
Enter your salary. Instantly see your tax breakdown and whether the 60% trap is silently costing you thousands between £100k and £125,140.
Get your personalised strategy
Our engine analyses your income and recommends the most effective combination of pension contributions, salary sacrifice, and Gift Aid.
Keep more of what you earn
Implement your strategies, track progress year over year, and project your long-term pension growth with our planning tools.
Save thousands each year
The free calculator shows what you're paying. Premium shows you exactly how to pay less.
Trusted by UK high earners
“I was paying thousands more than I needed to. The calculator showed me I was deep in the 60% trap — the strategies tool got me out.”
“Within twenty minutes I had a pension contribution strategy that saves me over £4,000 a year. Genuinely wish I had found this sooner.”
“The 60% trap analysis was an eye-opener. I had no idea how much the personal allowance taper was actually costing me each month.”
“I ran the numbers through three different tools before this one. First time everything — tax, NI, trap, strategies — was in one place and actually correct.”
“Salary sacrifice alone saved me £2,800. The tool modelled it instantly and I took the printout straight to my HR department.”
“The pension projector changed how I think about retirement. Seeing compound growth on real numbers made me increase my contributions immediately.”
“I was paying thousands more than I needed to. The calculator showed me I was deep in the 60% trap — the strategies tool got me out.”
“Within twenty minutes I had a pension contribution strategy that saves me over £4,000 a year. Genuinely wish I had found this sooner.”
“The 60% trap analysis was an eye-opener. I had no idea how much the personal allowance taper was actually costing me each month.”
“I ran the numbers through three different tools before this one. First time everything — tax, NI, trap, strategies — was in one place and actually correct.”
“Salary sacrifice alone saved me £2,800. The tool modelled it instantly and I took the printout straight to my HR department.”
“The pension projector changed how I think about retirement. Seeing compound growth on real numbers made me increase my contributions immediately.”
Common questions
What is the 60% tax trap?
If you earn between £100,000 and £125,140, you lose £1 of personal allowance for every £2 earned above £100k. This creates an effective 60% marginal tax rate — you keep only £400 of every extra £1,000 earned in this band. Our 60% tax trap analysis shows you exactly how much this costs you and how to escape it.
How much tax do I pay on £100k?
On a £100,000 salary in 2025/26, you pay approximately £27,432 in income tax and £4,979 in National Insurance, leaving take-home pay of around £67,589. Earning even £1 more starts the personal allowance taper. Our free tax calculator for an exact breakdown based on your specific circumstances.
Can I reduce my tax bill legally?
Yes. HMRC provides several legitimate routes: pension contributions (up to £60,000/year with 40–45% relief), salary sacrifice arrangements, ISA allowances (£20,000/year tax-free), and Gift Aid donations. Our tax strategies tool calculates exactly how much each approach saves based on your income.
Are pension contributions worth it for high earners?
Pension contributions are one of the most powerful tools for high earners. In the 60% trap band, they effectively receive 60% tax relief because they restore your lost personal allowance. Through salary sacrifice, you also save on National Insurance. Our pension projector helps you model the long-term impact.
Questions? Get in touch
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