Why Savin Hood exists
I built this for my own family first. I wanted to keep free childcare and avoid stumbling over £100k. Year one, I over-contributed to my pension. Year two, I expected a larger refund than the HMRC sent. Everything lived in one messy spreadsheet. So I made Savin Hood.
The point is simple: protect what you earn. Make the cliffs obvious, then show how pensions, timing, and charity can keep you ahead without bending the rules.
Who is it for?
For any and all employees and contractors in the UK. Parents are the core audience, but they are the group with most to gain, but not the only one. Employees with bonuses, RSUs, or benefits—and contractors managing dividends—still face the same thresholds. This is about seeing the impact before you cross a line.
How I use it
Every month I plug in what we earned and plan the rest of the year. It shows if our contributions keep us below the cliffs, what adjusted income will look like, and helps avoid surprises when the tax bill arrives—instead of finding out late in a spreadsheet panic.
The name
Savin Hood is a nod to a middle-class Robin Hood—a saving hood, not a robbing hood. It's about protecting what your family earns by understanding the rules, not skirting them. Think more suburban XC90 driver than mythological.