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Between £100,000 and £125,140, Scotland takes 67.5p of every extra pound. We're building a Google Sheets workbook that shows exactly how much pension contribution escapes the trap.
Not on sale yet — join the waitlist and we'll email you when it launches.
Join the waitlistEnter your salary — see exactly how much PA you've lost, the extra tax, and the pension contribution needed to escape.
Salary sacrifice vs personal contribution comparison at your exact rate. Shows net cost, NI savings, and what to claim via Self Assessment.
Track unused pension allowance from the past 3 years. See your total available contribution limit.
Should you take a bonus as cash or sacrifice it? Side-by-side comparison showing the tax cost of each option.
30-year compound growth projection with adjustable return rate and annual contribution.
All 6 Scottish bands, the trap zone, and England comparison — for quick reference.
Coming soon
The £100k Trap Pension Workbook isn't on sale yet. Join the Scottish Money Memo (our free Thursday newsletter) and we'll announce the launch there first.
In the meantime, our free £100k trap calculator does the core calculation right now.