See How Much Tax You Could Save This Year

Enter your details and we'll find every saving available to you — pension, salary sacrifice, child benefit and more.

2026/27 rates
Pension, salary sacrifice & child benefit
Real calculations

Your situation

£
£
£
£
Total you could save this year
£2,520
across 1 opportunity
  1. Enter your income and pension details — add your gross salary, any pension contributions you already make, and whether you claim Child Benefit.
  2. See your ranked opportunities — the dashboard calculates your potential savings across pension, salary sacrifice, and child benefit, sorted by pound impact.
  3. Explore each opportunity — click any card to see the detail behind the saving and follow the link to the relevant full calculator.

How tax optimisation works

Most employed people in the UK overpay tax simply because they haven't checked whether standard reliefs apply to their situation. This dashboard runs three of the highest-impact checks automatically and shows you the numbers.

The 60% pension trap affects anyone with adjusted net income between £100,000 and £125,140. At this level, HMRC removes your personal allowance at £1 for every £2 earned over £100,000 — creating an effective marginal rate of 60%. Pension contributions that bring your income below £100,000 escape this entirely.

EV salary sacrifice lets you lease an electric vehicle from gross salary before tax and NI. Higher earners can cut the effective cost of a £500/mo lease to under £300/mo depending on their marginal rate.

Child Benefit charges are recovered through Self Assessment from anyone earning over £60,000 who claims (or whose partner claims) Child Benefit. Pension contributions that bring adjusted net income below £60,000 eliminate the charge.

Figures are illustrative and calculated using 2026/27 England tax rates. They assume no student loans and model a standard £500/mo EV lease for salary sacrifice. For large decisions, consider taking regulated financial advice.

Frequently asked questions

What is tax optimisation?
Tax optimisation means using HMRC-approved reliefs and schemes to reduce the tax you legally owe. Common methods include pension contributions, salary sacrifice arrangements, and managing income to avoid threshold-triggered charges.
What is the 60% tax trap?
When your adjusted net income falls between £100,000 and £125,140, your personal allowance is gradually removed at £1 for every £2 over £100,000. This creates an effective marginal rate of 60% (40% income tax plus the lost allowance taxed at 40%). Pension contributions that bring your income below £100,000 escape this trap entirely.
How does salary sacrifice save tax?
Salary sacrifice reduces your gross salary before tax and National Insurance are calculated. Because you pay neither income tax nor NI on the sacrificed amount, the effective cost of benefits like EV leases is much lower than paying with take-home pay.
What is the High Income Child Benefit Charge?
If you or your partner earns over £60,000 and claims Child Benefit, the higher earner must pay back some or all of it through the High Income Child Benefit Charge (HICBC). The charge is 1% of the benefit for every £200 of income over £60,000, reaching 100% at £80,000. Pension contributions that reduce adjusted net income below £60,000 can eliminate it.
How accurate are the savings figures?
The figures are calculated using the same engines that power our individual calculators. They assume England tax rates, no student loans, and use 2026/27 thresholds. For salary sacrifice, a standard £500/month EV lease is modelled as an example. Your actual saving will vary based on your specific situation.

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