HENRY UK Tax Trap Calculator
High Earner, Not Rich Yet? Between £100,000 and £125,140 you keep as little as 29p of every extra £1. HENRY maps the whole trap — the 60% taper, the Child Benefit charge, the childcare cliff, student loans — and shows the exact pension move that fixes it. Free, private, and it works entirely offline.
Or use HENRY on the web — same engine, runs entirely in your browser. On Android, install it from your browser menu (“Add to Home screen”) for an app icon and offline use.
Why HENRY?
Salary calculators tell you your take-home pay. HENRY tells you what your next pound is worth — which is the number that actually decides whether a pay rise, a bonus or a pension top-up makes sense.
The Tax Rate Curve Explorer
Drag along an interactive curve from £0 to £250,000 and watch your effective and marginal rates update live, with the £100k–£125,140 60% trap shaded in red. A marker shows where you sit — and what your pension and Gift Aid planning is already worth per year.
Escape the £100k Trap — to the Pound
When your income enters the personal-allowance taper, HENRY quantifies exactly what it costs you and calculates the precise pension contribution that gets you back under £100,000 — with the tax saving spelled out in pounds, not percentages.
Child Benefit & the Childcare Cliff
See what the High Income Child Benefit Charge takes from your family and what crossing £100k costs in funded hours and Tax-Free Childcare — each with the pension top-up that keeps the support. For parents, this is often worth thousands a year.
Pensions Modelled Properly
Salary sacrifice, net pay and relief at source behave differently — most calculators fudge the difference. HENRY models each correctly, warns about the annual allowance and its taper, and shows what your employer saves too.
The Full High-Earner Picture
Student loan Plans 1, 2, 4 and 5 plus postgraduate loans stacked with tax; all six Scottish bands; Gift Aid relief; salary-sacrifice benefits; benefits in kind — including how a company car can trigger the 60% band and the Child Benefit charge without a penny more in cash pay.
Genuinely Private
Everything runs on your device. No account, no analytics, no ads, no tracking — the app makes no network requests at all, and its App Store privacy label reads “Data Not Collected”. Your salary is nobody's business but yours.
HENRY in Pictures
Free to download. Every calculation on your device. Updated for the 2026/27 tax year.
Know What Your Next £1 Is Worth
Download HENRY free and see your real marginal rate — and the moves that change it — in under a minute. Estimates for guidance, not financial advice.
Not on iPhone? Use HENRY on the web — installable on Android from your browser menu.