High earner tax cliff calculators
Every cliff between £60,000 and £125,140, each with its own calculator: the Child Benefit charge, the £100k childcare cliff, the personal allowance taper, and the fix when you've already gone over. All eight run on the same engine in your browser, show the working line by line, and need no account.
Already over £100k
What it's costing you now and what can still be put right.
Planning ahead
A pay rise, a bonus, a vest, or just the next tax year.
- High Earner Tax Cliff CalculatorWhat is my real marginal rate, and what does it take to get under £100k?Open the calculator
- Salary Sacrifice to £100k CalculatorHow much pension do I need to sacrifice to get under £100k, with a buffer?Open the calculator
- Pay Rise and Job Offer CalculatorIs a pay rise over £100k worth it, and what do I really gain?Open the calculator
- Bonus and RSU Cliff CalculatorMy bonus or RSUs might push me over £100k. What's a safe target, and what top-up fixes it?Open the calculator
Check what counts
The figures HMRC actually tests, and the charges that start lower down.
One engine, eight views
Each calculator starts from the same household: salary, bonus, pension and children under 5. They differ in the question they put first. Whatever you enter stays in your browser; the link to your results holds the numbers, so you can keep it or send it to yourself.
Rules are 2026-27 for England, Wales and Northern Ireland, one earner. Couples, Scotland and student loans come after the England release. How we calculate
Not sure which one? Start with your number.
The main calculator gives your marginal rate, the sacrifice to get under £100k and the childcare at stake in one go, then points you to the right next step.