Free UK tax calculator for £100k+ earners. See your real ANI, marginal rate, Personal Allowance loss & pension strategies in 60 seconds.
Free calculator built specifically for UK earners crossing the £100k threshold. The "tax cliff" silently strips your Personal Allowance, creates a 60% marginal tax rate, and can kill your Tax-Free Childcare eligibility — most people don't realise until it's too late.
CliffGuard calculates your real Adjusted Net Income (ANI) across all income sources, then shows you:
• Exactly how much Personal Allowance you've lost
• Your true marginal tax rate (not just your tax band)
• Tax-Free Childcare & Child Benefit impact
• How much extra pension contribution would bring you back under £100k
Interactive strategy explorer lets you model salary sacrifice, pension top-ups, and Gift Aid donations in real time — see the before/after instantly.
Built for employed professionals, contractors, and anyone with P11D benefits, bonuses, or multiple income sources pushing them over the cliff.