Salary Sacrifice Optimiser
Earning over £100,000? See how much extra pension contribution you need to restore your 30-hour childcare eligibility and avoid the 60% effective tax rate on your personal allowance.
Used to estimate Tax-Free Childcare saving if your income is above £100,000.
Contributing £833/month more to your pension could save you £8,200/year.
Includes income tax, NI and restored childcare entitlements. Pension contributions and childcare values are estimates. Verify with your employer and nursery.
Unlock the full breakdown: 4 tokens (approx. £2.00)
See exactly how much to contribute, your income tax and NI saving and whether your childcare entitlements are restored. Tokens never expire.
Approximate. Based on 2026/27 income tax and NI bands. Does not constitute financial advice. Verify with your employer and a qualified adviser.