I earn £60k-£80k and claim Child Benefit
Model the High Income Child Benefit Charge and the adjusted net income levers that can reduce it.
High-earner routes · UK 2026/27
Find the right high-earner tax route.
A routing page for the thresholds that matter most: Child Benefit, the £100k personal allowance taper, bonuses, salary sacrifice, student loans, Scotland and investment income.
Estimates for educational and illustrative purposes only. Not financial, tax, legal or regulated advice.
I earn £100k-£125,140
See the common 60% tax trap name, the roughly 62% employee example with NI, and the pension route.
I received a bonus
Work out what the bonus keeps in cash and whether bonus sacrifice could change the result.
I want to salary sacrifice into pension
Compare take-home reduction with pension contribution, then check minimum-wage and payroll caveats.
I have student loans
Student loan repayments can change the marginal cost of pay rises, bonuses and pension decisions.
I live in Scotland or compare regions
Scottish income tax bands differ for salary, pension and property income. Compare before relying on rUK examples.
I am a company director
Use the director route to compare salary, dividends, corporation tax and personal tax.
I invest or have capital gains/dividends
Investment income can stack on top of salary and push adjusted net income across thresholds.
Sources and limitations
Last reviewed 2026-05-09. This hub routes you to calculators and guides; it does not replace personalised advice. Pension annual allowance, carry-forward, defined benefit accrual and tapered annual allowance calculations can be complex.