Henry is a web app for families in England who earn near £100,000. Above that threshold the personal allowance tapers away, which creates an effective 60% marginal tax rate, and eligibility for funded childcare hours and Tax-Free Childcare is lost entirely. A small pay rise can leave a household thousands of pounds worse off.
Henry models your adjusted net income across the whole UK tax year — salary, bonus, RSUs as they vest, taxable benefits in kind, savings interest, dividends and rental profit — then subtracts the reliefs HMRC allows, such as pension contributions and Gift Aid donations. It tracks income tax, National Insurance, student loan repayments, salary sacrifice, cycle to work and EV lease benefit-in-kind charges, month by month, for one person or a household of two.
Henry calculates nursery costs alongside funded hours and Tax-Free Childcare, warns when adjusted net income puts that support at risk, and shows the real cost of childcare if funding has to be repaid. It also handles High Income Child Benefit Charge clawback between £60,000 and £80,000.
The salary sacrifice optimiser shows how much extra pension contribution is needed to stay under £100,000, and exactly what that costs in take-home pay. Pension annual allowance, tapering and three years of carry-forward are tracked too.
Use the free adjusted net income calculator, or read the guides on the £100k tax trap, the pension annual allowance taper, funded hours and Tax-Free Childcare.
General information only, not financial advice.