Step 1 of 5
How do you earn?
This affects how your tax relief is calculated.
Step 2 of 5
What's your annual income?
A ballpark is fine — we round to the nearest £1,000.
Choose how you earn above to see this.
The trap applies to income between £100,000 and £125,140. If you're outside this range the tool still works — you'll just see standard higher-rate relief.
Step 3 of 5
Any other income?
Dividends, savings interest, rental income. Skip if it's just your salary — you can always come back.
Add other income
↓
Dividends
£
First £500 tax-free
Savings interest
£
Personal Savings Allowance applied automatically
Rental income
£
Before expenses
Step 4 of 5
What are your current pension contributions?
Your contribution: a % of salary or a fixed annual amount.
Your contribution
%
Not sure? Even a rough number gives you a useful projection. You can adjust it in the results.
Step 5 of 5
Your pension so far
Rough figures are fine — this helps project your pot at retirement.
Existing pot
£
Across all pensions
Years to retirement
yrs
When you'd like the option to stop
You can access your pension from age 57 (rising to 58 by 2028).
Your result
—
—
—
Now model your contribution
Drag the slider to see how different amounts change your take-home, tax and pot. Everything below updates live.
Take-home
—
per month
Personal allowance
—
—
Tax relief
—
this year
Projected pot
—
at retirement
Did HiddenWay help you understand the 60% trap?
Takes one tap. Helps us improve.
Thanks — that's useful. If something wasn't clear, we'd love to know. hiddenwayapp@gmail.com