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.
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
No more juggling spreadsheets and separate HMRC tools
See exactly how the 60% effective rate between £100k–£125,140 affects you and how to avoid it.
Calculate your TFC eligibility and the government's 20% top-up on childcare costs (up to £2k/child).
Model 15 and 30 hour entitlements for all ages, including the new working parent hours for under-3s.
Explore different sacrifice amounts and see how each could affect your total financial position.
Calculate the High Income Child Benefit Charge taper and when it's worth claiming.
See your current vs optimised position with a clear annual and monthly breakdown.
Salary, bonuses, dividends, and your partner's income.
Date of birth and childcare costs — skip if you don't have children.
Instantly see estimated savings, benefit eligibility, and opportunities to explore with your adviser.
£5k+
Typical annual saving
6
Policies modelled
2 min
To get your result