Enter your salary and the rise on the table. We check every cliff edge between £60,000 and £125,140 on the way.
Tax-Free Childcare is worth up to £2,000 per child; funded hours often £4,000–£6,000 more per nursery-age child. Two in nursery ≈ £8,000+.
Of your rise, you keep
Deducted from the next £1 you earn
Assumes you are the higher earner and no other income; the £100k tests use adjusted net income.
Sacrifice into your pension
Rise kept as take-home
after the sacrifice, vs without it
Total value of the rise
take-home kept + into your pension at full value
Salary sacrifice through payroll does this automatically; a personal pension contribution before 5 April achieves the same (basic-rate relief added automatically, the rest via Self Assessment). Model it in the salary sacrifice calculator.
A healthy line only goes up. Flat stretches are the £60k–£80k taper; a visible drop is the £100,000 childcare cliff.
| Scenario | Rise | You keep | |
|---|---|---|---|
Pay Rise Tax Trap Calculator by TaxFly — free UK tax calculators