UK Tax Guides
Plain English explanations for high earners navigating the \u00a3100k tax cliff, pension strategy, salary sacrifice and everything HMRC does not make obvious.
Your real marginal rate
The £100k Tax Trap: Why You Lose 60p of Every Pound Over £100,000
If your Adjusted Net Income is between £100,000 and £125,140, HMRC claws back your Personal Allowance. The result is an effective 60% marginal tax rate that most people do not realise they are paying.
Salary Sacrifice vs SIPP: Which Is Better for £100k+ Earners?
Both routes lower your ANI and save tax. But one can also save National Insurance and the other gives you more control. Here is how they compare.
How to Calculate Your Adjusted Net Income (Step by Step)
Adjusted Net Income is the figure HMRC uses to work out whether your Personal Allowance is reduced and whether certain charges or benefits apply. Here is how to work it out.
HICBC Explained: When Claiming Child Benefit Actually Costs You Money
If your ANI is between £60,000 and £80,000, you may owe back some or all of your Child Benefit through the High Income Child Benefit Charge.
Tax-Free Childcare: The £100k Eligibility Cliff Nobody Talks About
Go over £100,000 ANI and you usually lose access to TFC entirely. That is up to £2,000 per child per year gone. Here is what to do about it.
Do I Need to File a Self Assessment Tax Return? A Decision Guide
Over £100k? RSU vestings? Rental income? Here is a clear guide for whether HMRC expects you to file.
How Much Can I Salary Sacrifice? Limits, NMW Rules and the Pension Cap
There is no legal cap on salary sacrifice but there are practical limits. National Minimum Wage, the annual allowance and your employer's policy all play a role.
£125,140: When the Trap Ends and What Happens Next
Once your ANI passes £125,140, your Personal Allowance is fully gone. The 60% taper zone ends, but your tax bill can still feel high.
Gift Aid for Higher Earners: More Than Just Charity
Gift Aid donations reduce your ANI just like pension contributions. If you already donate, you may be leaving tax relief on the table.
RSU Vestings and Tax: What £100k+ Tech Workers Need to Know
Restricted Stock Unit vestings count as taxable employment income. If they push your ANI over £100,000, you may hit the 60% trap without realising it.
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