Higher earners leave thousands of pounds on the table every year. Answer 7 quick sections and get a personalised list of tax savings, pension optimisations, and financial improvements — ranked by what will save you the most.
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Personal Allowance taper
Income between £100k–£125,140 is effectively taxed at 60%. Find out if you are caught and how to escape.
Pension optimisation
See whether salary sacrifice vs. relief at source is working in your favour, and how much more to contribute.
Child Benefit trap
The High Income Child Benefit Charge tapers from £60k–£80k. We calculate exactly how much you are losing.
Tax-Free Childcare
The government adds 20p for every 80p you pay in — worth up to £2,000 per child per year if you qualify.
Gift Aid
Higher-rate taxpayers can reclaim an extra 20% on charitable donations via Self Assessment.
Marriage Allowance
Transfer unused Personal Allowance to a basic-rate taxpaying spouse and save up to £252 per year.
ISA allowance
Are you using your £20,000 annual ISA allowance? We will tell you how much room you have left.
Debt strategy
We rank your debts by interest rate and show you the avalanche method for minimising total interest paid.
Cycle to Work
Save up to 42% on a bike and equipment through a salary-sacrifice scheme if your employer offers one.
Answer 7 quick sections
Income, pension, family, savings — takes about 5 minutes.
We calculate your exact tax figures
Your Adjusted Net Income, marginal rates, and benefit charges — all in your browser.
Get a ranked action list
Personalised recommendations sorted by how much you could save, with step-by-step instructions.
Example findings
What real earners at each level typically discover
£40,000 earner
The salaried professional
PAYE employee, one pension, modest savings — typical of someone who has never looked closely at their tax.
Estimated saving
up to £900/yr
Switch pension to salary sacrifice
~£480/yr
Moving a £6,000/yr relief-at-source pension to salary sacrifice saves 8% NI on the contribution — £480 a year with no change to the pot.
Marriage Allowance
up to £252/yr
If your partner earns below £12,570, they can transfer up to £1,260 of their Personal Allowance to you — saving £252 in tax.
ISA — missing out on tax-free growth
long-term
With a £20,000 annual allowance unused, investment returns are sitting in a taxable account. Sheltering them costs nothing today but compounds over decades.