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£100k Tax Trap Planner

The 60% band between £100,000 and £125,140, lost childcare support – and how much pension or Gift Aid gets you back under £100,000

£20

Secure checkout. Your file is ready in your client portal as soon as payment clears.

£100k Tax Trap Planner

Overview

Once your adjusted net income goes over £100,000 you start losing your personal allowance, and parents can lose thousands of pounds of childcare support in one go. Paying more into a pension or giving to charity with Gift Aid brings adjusted net income down, so the effective tax relief in this band can be well over 60%.

Price
£20
Who it’s for
Tax & Company
Works with
Microsoft Excel for Windows and Mac
Buy now

See how it works

A walk through the main sheets

The sheets you will use most, in the order you will use them – shown with the sample data every workbook comes with.

Step 1

Planner

Your income, the tax at each level and the effect of pension or Gift Aid. What you do: enter your income and contributions.

Planner
Settings

Step 2

Settings

You, your family and your income sources. What you do: fill in once.

Step 3

Rates

The tax bands and allowances used. What you do: update them each April.

Rates

Step 4

Who it is for

Made for people like you

  • Example – text
  • Higher earners near £100,000 – Know your real marginal rate and how much a pension top-up saves.
  • Parents using Tax-Free Childcare or funded hours – See what crossing £100,000 costs in lost support.
  • Directors and business owners – Plan salary, dividends and pension around the trap.

Quick start

Up and running in minutes

  1. Example – text
  1. Settings – Enter your income, what you already pay into pensions and Gift Aid, and any Child Benefit and childcare support.
  2. Your plan – Enter an extra pension amount to test and how you would pay it. The third column always works out the amount to get to exactly £100,000.
  3. Dashboard – What you are losing now and what the extra pension really costs you.

Key features

  • Works out your adjusted net income and shows the personal allowance you lose between £100,000 and £125,140 – the 60% tax band.
  • Includes the childcare cliff edge: Tax-Free Childcare and funded nursery hours are lost completely once adjusted net income goes over £100,000, plus the High Income Child Benefit Charge.
  • Compares your position now, with the extra pension you are considering, and with just enough to bring you back to £100,000 – and shows the real cost of each £100 into your pension.

What’s included

  • Dashboard – Where you stand
  • Settings – Your income, pension, Gift Aid, children
  • Planner – Step-by-step workings
  • Rates – 2026/27 rates
  • Guide – How to use this workbook

How buying works

Your file is only released to your client portal once payment has cleared.

1

Click Buy now

You are taken to our secure checkout.

2

Pay securely

Checkout takes a minute and you get a receipt by email.

3

Download your file

Your file is ready in your client portal as soon as payment clears, and we email you your invoice with a link to the portal.

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Part of AML Finance Group

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