£100k Tax Trap Calculator: Track Your Income & Avoid 60% Tax £100k Tax Trap Calculator: Track Your Income & Avoid 60% Tax
The £100k tax trap. Lost pension allowances. Benefit cliffs. We map them all - then show you the way through.
More than a calculator
Most calculators tell you what tax you'll pay. Savin Hood tracks your income year-round and alerts you before you cross costly thresholds—giving you time to act, not just react.
Earning near £100k? We monitor your income month-by-month and warn you when pension contributions could save your Personal Allowance.
Fair play, not tax avoidance
We believe in paying tax. We also believe you shouldn't pay more than you need to.
Proper planning, not clever schemes.
How it works
See all your options
Calculator and scenarios to understand what's possible.
Choose your plan
Pension, salary sacrifice, timing - decide what works for you.
Track it monthly
Never drift over the line. Stay informed, stay safe.
Quiet vigilance
We're not flashy. We're thorough. Think of us as your careful overseer - always watching your line to HMRC.
What you get
Monthly income tracking
Log your salary, bonuses, benefits. See where you stand year-to-date.
Threshold warnings
Alerts when you're approaching £100k, childcare limits, or tax traps.
Year-to-date projections
Forecast your final position. Make adjustments before it's too late.
Adjustment suggestions
Bonus coming? We'll show you how to stay safe with pension contributions.
Why Savin Hood?
Other calculators show you ONE answer. Savin Hood shows you OPTIONS.
| Feature | Others Others | Savin Hood |
|---|---|---|
| Calculate take-home pay | Other calculators: Yes | Savin Hood: Yes |
| Shows different tax strategies | Other calculators: No | Savin Hood: Yes |
| Track tax during the year | Other calculators: No | Savin Hood: Yes |
| Alerts if you risk breaching £100k | Other calculators: No | Savin Hood: Yes |
| Payslip analysis | Other calculators: No | Savin Hood: Yes |
| Tax code validation | Other calculators: No | Savin Hood: Yes |
Most calculators tell you what tax you'll pay. Savin Hood helps you explore your options, comparing strategies like pension contributions that reduce your tax bill while building retirement savings.
Earning near £100k? Traditional calculators won't warn you about losing your Personal Allowance. Savin Hood shows how pension contributions can reduce your Adjusted Net Income to keep your full allowance.
Understand your options
See what you could save. See what you could keep. All in one place.
Get Started