Henry Opt | UK Tax & Pension Simulation

Important: This tool is for informational purposes only and does not constitute financial advice. Consult a qualified professional before making decisions.

Tax Year End Approaching: Only 26 days until 6th April 2026. Review your pension contributions and salary sacrifice elections now.

Current Position

Quick Start

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Your Income

Annual Salary (gross)

Expected Annual Bonus

At £90,000, you have significant optimisation opportunities.

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Current Position

Results & Analysis

Net Take-Home

£62,757

£5,230/mo

After tax, NI & pension

Effective Tax Rate

30.3%

Total tax / Gross income

Marginal Rate

40.0%

Tax on next £1 earned

Tax Saved

£0

£0/mo

From pension contributions

Optimisation Opportunities

Salary sacrifice strategies to reduce your tax burden

Maximise Pension Allowance

Best Value

Use full annual allowanceMaximum tax relief

Sacrifice

£55,500

Total Benefit

+£21,102

Net Cost

£34,398

Tax Insights & Opportunities

Key information and ways to optimise your tax position

Opportunity

If you need a new car, an EV salary sacrifice scheme (e.g. £500/month) could save you approximately £2,520/year in tax and NI.

Opportunity

If you need a bike, Cycle to Work could save you approximately £420 on a £1,000 bike through tax and NI savings.

Income Results

Income breakdown and tax by source

Gross Income

£90,000

Adjusted Net Income

£90,000

Income by Source

Employment Income£90,000

Tax Paid

Income Tax

-£23,432

National Insurance

-£3,811

Tax Bands

Personal Allowance (0.0%)£0

£12,570 in this band

Basic Rate (20.0%)£7,540

£37,700 in this band

Higher Rate (40.0%)£15,892

£39,730 in this band

Pension Results

Contributions, allowance, and projections

Total Contributions

£4,500

per year

Employer Contribution

+£4,500

included above

Salary Sacrifice£0

Employer Match£4,500

Pension Efficiency

Cost per £1 to Pension

58p

(1 - 42.0% rate)

Tax Relief

+£0

via payroll (tax + NI)

Annual Allowance

Available Allowance

£60,000

Allowance Used7.5%

Remaining: £55,500

Projected Value (20 years)

Nominal Value

£812,121

Real Value

£546,534

today's money

Income Charts

Income breakdown and tax rate visualizations

£100kPA Taper Start

£125.14kPA Taper End

Your adjusted net income: £90,000

£10,000 below PA Taper Start

Key UK tax thresholds and your current position

Pension Charts

Pension growth projections and salary sacrifice analysis

Tax savings vs net cost at different sacrifice levels

Compare Scenarios

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