Most UK tax calculators tell you what you'll pay. HENRY tells you what to do about it.
Built for High Earners, Not Rich Yet — the £75k–£200k band where the UK tax system stops being simple and starts costing you thousands in traps most calculators quietly ignore.
THE TRAPS HENRY FINDS
• The 60% tax trap — between £100,000 and £125,140 you lose £1 of personal allowance for every £2 you earn, creating a 60% marginal rate almost nobody tells you about
• High Income Child Benefit Charge — see exactly how much you're clawing back
• The £100k childcare cliff — cross it and Tax-Free Childcare and funded hours vanish overnight, worth around £6,000 a year
• Company benefits that push you over £100k without a penny more in cash pay
WHY IT'S DIFFERENT
Most calculators get pension relief wrong. HENRY models salary sacrifice, net pay and relief at source separately — because they don't save the same tax, and only salary sacrifice also saves National Insurance. Gift Aid extends your basic rate band. Both cut your adjusted net income. It compounds, and HENRY shows you the compounding.
WAYS TO SAVE
Ranked, costed actions using your own numbers: "add £28,950 to your pension to escape the 60% band and save £17,378". Not generic advice.
TAX RATE CURVES
Your effective and marginal rates plotted across the whole salary range. Drag to explore any income. Watch the 60% spike appear between £100k and £125k, see exactly where you sit — and where you'd be with no planning at all.
ALSO MODELLED
• England, Wales & Northern Ireland plus Scottish tax bands
• Employee and employer National Insurance
• Student loans: Plans 1, 2, 4, 5 and Postgraduate
• Company benefits (P11D and payrolled), including employer Class 1A
• Unpaid parental leave
• Tax years 2023/24 through 2026/27
100% PRIVATE
Every calculation runs on your device. No account, no sign-in, no network calls, no tracking, no analytics. Your salary never leaves your phone.
HENRY provides estimates for guidance only and is not personal financial or tax advice. Always verify anything important with HMRC or a qualified adviser.
EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
