See how much tax you could save by paying into your pension — 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.
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.
Income tax
£36,432
NI
£4,311
Take-home
£74,257
35% effective — your average across all income
Estimates for the 2026–27 UK tax year (England, Wales & NI). Illustrative, not financial advice.