Stop Losing Thousands to the £100k Tax Trap
The hidden 60% tax rate. Lost childcare benefits. Vanishing Personal Allowance. See exactly what you could save.
The hidden tax trap
The problem nobody warns you about
Earn over £100k and your Personal Allowance starts to disappear
For every £2 earned above £100k, you lose £1 of Personal Allowance, creating an effective 60p tax on every extra pound. Factor in lost childcare benefits and you could be thousands worse off.
Users typically identify £2,000–£5,000 in annual savings through pension contributions and salary sacrifice strategies.
How it works
Enter your salary
Add your salary, bonus, and benefits. We instantly detect if you're in the £100k danger zone.
See your savings
Compare pension contributions, salary sacrifice, and timing strategies to see exactly how much each one saves you.
Stay safe all year
Get alerts before your bonus crosses the £100k threshold. Act before payroll, not after.
Go beyond the calculator
The free calculator shows your options. Pro watches your income all year and tells you exactly when to act.
Monthly income tracking
Know exactly when a bonus or pay rise will push you into the 60% trap, so you can act before payroll.
Threshold warnings
Get alerted before you lose your Personal Allowance, childcare benefits, or pension tax relief.
Year-to-date projections
See your projected year-end position and adjust pension contributions while there's still time.
Adjustment suggestions
We calculate the exact pension contribution that keeps you under £100k and saves you thousands.
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 |
Try it free. See your options in under 60 seconds.
Stop overpaying tax
Join 2,500+ UK professionals who use Savin Hood to navigate the £100k trap. Free, instant, no signup required.