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Stop losing money to unnecessary tax.

Earning over £100k? You’re probably paying a hidden 60% marginal tax rate. See exactly how much it’s costing you — then eliminate it, legally, with personalised strategies.

UK tax£100k+ earnersFree calculatorWeb platform
Go to stoplosingmoney.co.uk Try the free calculator

Example: £120,000 salary

Gross income£120,000
Tax you’d expect (40%)£31,432
Tax you actually pay£36,460
Hidden 60% trap cost£5,028
Effective tax rate43.2%

Features

Everything you need to understand and reduce your tax

Free tools to see your tax picture clearly. Premium tools to change it.

Free

Free Tax Calculator

Income tax, National Insurance, and take-home pay — for employment, self-employment, dividends, and rental income. Multiple tax years supported.

Premium

60% Trap Analysis

Interactive income slider that visualises your real marginal tax rate. See exactly where the personal allowance taper hits and the optimal pension contribution to escape it.

Premium

Tax Reduction Strategies

Personalised recommendations ranked by impact — pension contributions, salary sacrifice, Gift Aid, marriage allowance, and more. See the combined effect.

Premium

Pension Projector

Model your retirement pot, 25% tax-free lump sum, sustainable 4% withdrawal rate, and state pension. Couples planning mode included.

How It Works

Three steps to keeping more of what you earn

01

Discover

Enter your salary and see a full tax breakdown — income tax, National Insurance, and whether you’re caught in the 60% trap.

02

Get your strategy

The engine recommends the best combination of pension contributions, salary sacrifice, and Gift Aid — ranked by how much you’ll save.

03

Keep more

Implement your strategy, track progress year-on-year, and project your long-term pension growth and retirement income.

Pricing

Less than £1 per week.

The free calculator and tax tools cost nothing. Premium unlocks everything — cancel anytime.

Premium

£49.99

per year — that’s £4.17/month

  • All premium tax tools
  • 60% tax trap analysis
  • Tax reduction strategies
  • Multi-year comparison
  • Saved scenarios
  • Beyond-tax planning
  • Retirement planning
  • Spend analyser
  • How-to guides
  • Priority support
  • All future updates
Go to stoplosingmoney.co.uk Try the free calculator

Free tier includes the full tax calculator, 7 tax tools, blog, and guides.

FAQ

Common questions

When your income exceeds £100,000, you lose £1 of personal allowance for every £2 earned above that threshold. Between £100,000 and £125,140, this creates an effective 60% marginal tax rate — far higher than the 40% you might expect.

On a £100,000 salary in 2025-26, you’d pay approximately £27,432 in income tax and £4,979 in National Insurance — around £32,411 total. But earn just a few thousand more and the 60% trap kicks in.

Yes. Pension contributions (up to £60,000/year), salary sacrifice, ISA investments (£20,000 allowance), and Gift Aid donations can all reduce your taxable income. In the 60% trap band, pension contributions effectively give you 60% tax relief.

No. Stop Losing Money is an information and calculation tool. It helps you understand your tax position and shows strategies that may apply to you, but it is not regulated financial advice. You should consult a qualified adviser for personal recommendations.

The full tax calculator, seven standalone tax tools (NI calculator, dividend tax, capital gains, student loan, marriage allowance, tax code decoder), the blog, and all how-to guides are completely free with no account required.

Premium unlocks the 60% trap analysis, personalised tax strategies, pension projector, scenario builder, and all future tools. That’s less than £1 per week. Payments are handled by Stripe — cancel anytime.

Ready to see your real tax picture?

Start with the free calculator. Upgrade when you’re ready.

Go to stoplosingmoney.co.uk Try the free calculator