UK tax tools · 2026/27

You earn a fortune.
You're not rich yet.

Somewhere past £100,000 you started keeping less of each extra pound, not more. That isn't bad luck. It's the 60% tax trap, the child benefit charge, and the £100k childcare cliff working exactly as designed. These free tools show you the damage, and the precise moves to claw it back.

Find your 60% trap → Open the full HENRY calculator
The tools
Start here
The 60% Tax Trap Escape Calculator
Earn over £100,000? See exactly what the personal-allowance taper is costing you, and the precise pension contribution that escapes it. One number in, your whole position out.
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Start here
The £100k Childcare Cliff Calculator
A single pound over £100,000 can cost a family every funded childcare hour and all of Tax-Free Childcare. See what's at stake, and the pension move that keeps it.
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Start here
The Child Benefit Charge Calculator
Over £60,000, HMRC claws child benefit back at a marginal rate most parents never see coming. See your charge, your real rate, and the pension move that keeps the benefit.
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The full picture
The HENRY Calculator
The deep one. Ten tabs covering marginal rates, child benefit, the childcare cliff, bonus vs pension, pension carry-forward, the annual allowance taper, ISA vs pension and more. Built for variable and commission income too.
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Why a six-figure salary feels like less than it is
The 60% tax trap
£100,000–£125,140 · personal allowance withdrawn
High Income Child Benefit Charge
£60,000–£80,000 · benefit clawed back
The childcare cliff edge
£100,000 · free hours and Tax-Free Childcare lost
Pension annual allowance taper
£260,000+ · how much you can pay in shrinks
Frozen thresholds
fiscal drag pulling more in every year to 2028
Bonus and commission spikes
one payment can tip you over a cliff for the year

Thresholds move. So do the traps.

Tax years change, allowances get frozen, benefits get tweaked. Leave your email and I'll send the updated tools when the numbers shift. No spam, no sales pitch, just the new figures when they land.

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