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See how much tax you could save by paying into your pension with Moola

Moola found
£7,440
you could keep, every year

at £115,000 you keep 38p of every extra £1

based on £12,000/yr into your pension,

Illustrative estimate based on the figures you provide, not financial advice.

Annual salary
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Where’s that money going?
⚠️ The 60% tax trap

Between £100k and £125,140 your tax-free allowance is being clawed back, so this slice of your salary is taxed at an effective 60% (plus NI).

Your next £1 of salary
38p
62p
You keepTax takes
The fix: claw it back into your pension
You’d reclaim
£7,440
of £28,200 possible

£20,760/yr more is still on the table. Nudge the slider up.

Salary sacrifice into pension
Income tax
£36,432
NI
£4,311
Take-home
£74,257
35% effective, your average across all income
Your lifetime number
£•••,•••🔒
more in your pension by 67

You’re clawing back £7,440/yr in tax. Invested to retirement, that compounds into a figure worth seeing: we work it out from your age and pension as you set up your free plan.

Unlocks as you complete your free plan.

Illustrative projection, not a guarantee: investment returns vary and your capital is at risk.

Estimates for the 2026–27 UK tax year (England, Wales & NI). Illustrative, not financial advice.

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Moola is a financial-planning and information tool. Tax estimates and projections are illustrative only, based on the figures you provide, and do not constitute financial advice. Your capital is at risk when investing.