Child 1
Add date of birthBorn: Not added · Nursery from: Not added
- No funding
- £1,800 / month
- With 15 hours
- £1,200 / month
- With 30 hours
- £900 / month
EXAMPLE FIGURES
A clearer picture starts here.
Explore the example, or enter your own details for a personal estimate.
Don’t forget your details: add bonuses, benefits, pension and salary-sacrifice schemes for a more accurate estimate.
Viewing breakdown for:
POTENTIAL TAX TRAP
Your income is £10,800 above £100,000.
Your adjusted net income is £110,800. Your tax-free Personal Allowance is reduced by £5,400.
This also exceeds the income limit for Tax-Free Childcare and England’s working-parent funded hours. Universal 15-hour funding for eligible 3- and 4-year-olds is separate.
Explore pension contributions and available salary-sacrifice schemes. Benefits in kind can add income back, so check the result for each scheme.
How HMRC uses adjusted net income ↗MONEY YOU CAN PLAN AROUND
Regular-month take-home
£5,673Current plan
At today’s salary rate of £100,000 a year. Estimated using a full year at that salary, without quarterly or annual bonuses, RSUs, pay-rise arrears or one-off pension payments.
After payroll deductions, before nursery fees and other spending. Actual PAYE and deductions can vary; use the monthly figures for individual payslips. Separate SIPP payments and later Self Assessment relief sit outside payslip take-home.
Total take-home this tax year£71,877Includes all bonuses and other employment pay.
Annual bonuses
£3,800 net added take-home / tax year£10,000 gross · £0 to your pension.
Annual Bonus (gross payment schedule): Mar £10,000
Net bonuses use your current plan and include tax, NI, student loan and payroll pension deductions. Bonus sacrificed into pension is excluded from cash take-home. Annual figures include PAYE adjustments across the year; individual payment months can differ.
See each payment month
| Month | Quarterly bonus net effect | Annual bonus net effect | Monthly bonus (gross) | Take-home |
|---|---|---|---|---|
| April | — | -£167 | — | £5,506 |
| May | — | -£167 | — | £5,506 |
| June | — | -£167 | — | £5,506 |
| July | — | -£167 | — | £5,506 |
| August | — | -£167 | — | £5,506 |
| September | — | -£167 | — | £5,506 |
| October | — | -£167 | — | £5,506 |
| November | — | -£167 | — | £5,506 |
| December | — | -£167 | — | £5,506 |
| January | — | -£167 | — | £5,506 |
| February | — | -£167 | — | £5,506 |
| March | — | £5,633 | — | £11,306 |
Salary sacrifice / year
£0Pension salary sacrifice: £0Car, cycle, holiday and other schemes: £0This is gross pay exchanged for benefits, not a tax saving. Net-pay pensions and SIPP payments are separate.
Income used for thresholds
£110,800£10,800 above the £100,000 threshold. Adjusted net income includes taxable benefits and qualifying reliefs.Saved in this browser · England, Wales & NI income tax · England nursery funding. Rates and assumptions. Estimates, not financial advice.
Tax Code
717L
Expected · PA £7,170
Annual Net Pay
£71,877
£5,990/mo
Income Tax
£33,912
Marginal: 60%
NI
£4,211
Total Pension
£0
AE: £0
Disposable
£50,277
Net + Investments – Nursery + CB
📋 HMRC Tax Rules — 2026/27
England, Wales & Northern Ireland · Click to expand
🎯 100k Tax Trap Decision
Should you sacrifice £10,800/yr extra pension to unlock benefits?
📅 STRATEGY STARTS:12 mo left in 2026/27
📋 HOW TO SACRIFICE THE EXTRA £10,800/yr
Current Sacrifice
0.0%
£0/mo
New Sacrifice %
10.8%
£900/mo
Increase
+10.8%
+£900/mo
Tell HR/payroll to increase your additional pension sacrifice by £900/mo (total pension: 0.0% → 10.8% of gross). Each monthly payslip will show £900 more deducted.
| ❌ CURRENT | ✅ OPTIMISED | |
|---|---|---|
| 🎯 OPTIMISED — SPREAD MONTHLY | ||
| Extra Pension (monthly) | — | £10,800/yr |
| Adjusted Net Income | £110,800 | £100,000 |
| Personal Allowance | £7,170 | £12,570 |
| Income Tax | £33,912 | £27,432 |
| National Insurance | £4,211 | £3,995 |
| Annual Take-Home | £71,877 | £67,773 |
| 30 Hrs Eligible? | ❌ No | ✅ Yes |
| Tax-Free Childcare | ❌ None | ✅ £2,000/yr |
| Annual Nursery Bill (15h → 30h+TFC) | £21,600 | £19,600 |
| Child Benefit (net) | £0 | £0 |
CURRENT
Disposable Income
£50,277
£71,877 net – £21,600 nursery
OPTIMISED
Disposable Income
£48,173
£67,773 net – £19,600 nursery
⚠️ Competing Interests
If you need disposable money for short-term or mid-term projects:
Don't sacrifice. You keep £2,104/yr more disposable income that you can flexibly use.
Don't sacrifice. You keep £2,104/yr more disposable income that you can flexibly use.
If you don't need the money:
Sacrifice for long-term pension wealth. Trading £2,104/yr in disposable income gives you £10,800/yr into your pension — instant ROI of 513% that compounds significantly over decades.
Sacrifice for long-term pension wealth. Trading £2,104/yr in disposable income gives you £10,800/yr into your pension — instant ROI of 513% that compounds significantly over decades.
📅 Monthly Breakdown
Net/mo
£5,990
Tax/yr
-£33,912
NI/yr
-£4,211
Click to expand month-by-month table
YOUR FAMILY
Your children at a glance.
Enter dates and nursery prices to make the funding and household estimates useful.
Nursery planning for one child is free. Pro includes additional children. Your dependent-child count can still be updated in Personal details.
👶 Childcare & Child Benefit
Funded hrs: NOT ELIGIBLECB gross: £1,407/yrHICBC: -£1,407Net CB: £0/yr
30HRS & Tax-Free Childcare
NOT ELIGIBLE
Max TFC per year
£2,000
30 hrs/wk for working families where both parents earn £10,575–£100,000 ANI. Tax-Free Childcare gives a 20% government top-up (max £2,000/child/yr) on nursery costs via your TFC account.
❌ Not eligible — ANI £110,800 exceeds the £100,000 limit. Reduce via pension sacrifice.
Child Benefit & HICBC
Gross benefit£1,407/yr
HICBC clawback (100%)-£1,407
£1,407/yr for the eldest child, £931/yr for each additional. The High Income Child Benefit Charge (HICBC) claws it back 1% per £200 once the higher earner's ANI exceeds £60,000 — fully gone by £80,000.
❌ Fully clawed back — ANI £110,800 wipes out all benefit. Net: £0. Reduce ANI below £60,000 to recover it.
SEE WHAT TODAY’S CONTRIBUTIONS COULD BUILD
Your pension, year by year.
Enter your age to see an illustration of your pot at the age you plan to access it. For invested defined-contribution pensions, not final-salary schemes or the State Pension.
The usual minimum access age is 55, rising to 57 on 6 April 2028. Scheme rules and protected ages can differ. The starting assumption is 57; confirm your own access age with your provider. Check access rules ↗
Continuing at your current 2026/27 rate£0 / yearYour contributions: £0 · Employer and shared NI savings: £0
Gross amounts include pension tax relief. Bonus and one-off contributions in this tax year are repeated each year in this illustration unless you adjust the annual amount below.
Adjust contributions and growth assumptions
These are editable illustrations, not forecasts. Contributions stay constant in cash terms and are spread across month ends. No salary growth, future tax changes, annual-allowance charges or withdrawals are modelled. Actual returns vary and investments can fall.
Add your age above to draw your pension projection.