Scenario modelling
See exactly how pension contributions, salary sacrifice, an electric car and Gift Aid affect your adjusted net income and tax bill. In real time.
Live · adjusted net income
Coming Soon · iPhone App
The UK tax app built for clarity
Done with leaving money on the table? Model pension, salary sacrifice, electric car and Gift Aid scenarios against your real salary, whatever you earn. Understand every threshold from the personal allowance to the 60% trap. No financial adviser required.
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Your salary
£
InformedMoney
Your tax position
£38,432
Estimated tax + National Insurance this year
✓ Outside the 60% trap
Effective rate
40.2%
Marginal rate
60%
Illustrative estimate only for England, Wales & NI, 2025/26 rates. Excludes student loan, pension and other adjustments. Not financial advice.
Every threshold, mapped
What you actually pay on your next pound
Your headline tax band isn't what the next £1 really costs you. Cross £50,270 and it jumps to 40%. Cross £60,000 and Child Benefit starts unwinding. And between £100,000 and £125,140 your personal allowance tapers away. That is a 60% marginal rate that appears on no rate card at all. Switch to Scotland in the calculator above and the whole curve changes.
634k
UK earners currently caught in the 60% tax trap.
£12,570
Personal allowance lost if you earn over £125,140.
£20,000+
The childcare support wiped out by earning just £1 over £100k.
1 in 5
UK taxpayers now pay 40% tax. Ten years ago it was half that.
£1,260/yr
Free money for 4.2M eligible couples. Most never claim it.
Scenario modelling
Run the numbers before you commit
Eight scenarios, modelled against your real salary rather than a worked example. Change one input and watch income tax, National Insurance and take-home pay move together. None of them are reserved for high earners.
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01
Pension contribution
Pay more in and watch the relief land at your marginal rate, and your adjusted net income fall with it.
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02
Pension by salary sacrifice
Taken from gross pay, so it cuts National Insurance as well as income tax.
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03
Cycle to Work
A bike paid for out of gross salary, so the cost lands after tax relief rather than before.
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04
Electric car salary sacrifice
Nets off the Benefit-in-Kind charge, so the number you see is the saving you actually get.
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05
Gift Aid
Higher and additional rate relief doesn't arrive on its own. You claim it back yourself.
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06
Childcare vouchers
If you're still in the legacy scheme, with the monthly cap set by your tax band.
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07
ISA allowance
What's left of your £20,000 across Cash, Stocks & Shares and Lifetime ISA.
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08
CGT spousal transfer
Move assets to a spouse or civil partner to use their capital gains allowance too.
Plus Tax-Free Childcare. The government adds 25% on what you pay in, up to £2,000 per child a year, shown alongside the schemes it cannot be combined with.
What InformedMoney does
Know your number. Know your options.
Built for anyone who wants to understand their tax position, not just file it and forget it. Whether you're on £25,000 or £150,000, in England, Wales, Scotland or Northern Ireland.
Tax education
Twenty-one plain English modules covering income tax, National Insurance, self-assessment, student loans, RSUs and family allowances, matched to your income and confidence.
5 categories · 21 modules
Ask anything
Conversational Q&A powered by AI. Ask how HMRC treats a specific situation and get a clear, sourced answer. Not generic advice.
Sourced answers
Self-assessment guidance
Plain English explainers for every field in your tax return. Spread the workload year-round instead of a January panic.
Every field
Private by design
Your financial data stays on your device. No bank syncing required, no data sold, no third-party access.
On-device
Built around your situation
Children, a student loan, RSUs, a partner, an electric car. The app surfaces what actually applies to you: Marriage Allowance, the High Income Child Benefit Charge, student loan thresholds, the 60% trap.
England · Wales · Scotland · NI
How it works
Up and running in minutes
No accountant required. No jargon. Just your numbers, clearly explained.
01
Enter your details
Salary, pension, student loan, marital status, children. Everything stays on your device.
02
See your position
Instant breakdown of income tax, National Insurance and take-home pay, with the thresholds you're closest to flagged.
03
Model your options
Adjust pension, salary sacrifice, an electric car or Gift Aid and watch your tax bill change in real time.
04
File with confidence
Year-round guidance and plain English explainers for every self-assessment field. No January panic.
Early access
Be first to get InformedMoney
We're launching soon. Join the waitlist for early access and be first to know when we go live.
No spam. Unsubscribe any time.
✓ You're on the list. We'll be in touch when we launch.