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TaxLens · Tax-Awareness Report · 2025/26
Your personalised tax-awareness briefing
Based on your inputs and publicly available HMRC rules for the tax year 6 April 2025 to 5 April 2026. Educational simulation only — not financial advice.
PAYE employed England Higher rate taxpayer Salary sacrifice pension Generated May 2026
All figures in this report are illustrative estimates based on user-entered inputs. This report does not constitute financial, tax, investment or regulated advice. Individual circumstances vary. Before making financial decisions, speak to an FCA-authorised adviser or qualified tax professional. Operated by Jaydeep Karkare trading as TaxLens · taxlens.io
Section 1
Your tax-awareness score
68 / 100
Several areas worth understanding
2 gaps identified from your inputs. See the breakdown below for exactly what drove your score and why each one matters.
Starting score100 pts
In the personal allowance taper zone with no pension contribution reducing adjusted net income — effective marginal rate approximately 60%−25 pts
Relief at source pension — additional 20% higher rate relief must be claimed separately via Self Assessment and is commonly missed−7 pts
Your score68 / 100
Section 2
How your take-home pay is calculated
Starting point
Gross salaryYour full salary before anything is taken out
£██,000/yr
Pension contribution
Pension — salary sacrifice (█%)Reduces the income HMRC taxes you on — saves tax and National Insurance on this amount
− £█,███/yr
Taxable income after pensionHMRC calculates your tax on this lower amount
£██,███/yr
Tax-free allowance
Personal allowanceEveryone in the UK gets this amount completely tax-free each year
£█,███ tax-free
Income tax is calculated onTotal income minus your tax-free allowance
£██,███/yr
Income tax breakdown
Income tax — total: £██,███Calculated in bands — you only pay the higher rate on the portion of income in that bandBasic rate (20%): £██,███ taxed → £█,███
Higher rate (40%): £██,███ taxed → £██,███
− £██,███/yr
National Insurance
National Insurance — total: £█,███Calculated on your gross salary. Funds your State Pension and NHS entitlement.Main rate (8%): on £██,███ → £█,███
Upper rate (2%): on £█,███ → £███
− £█,███/yr
Estimated take-home payWhat lands in your bank account each month after all deductions
£█,███/mo
£██,███/year · effective rate ██.█% · you keep ██% of your gross salary
Section 3
Personal allowance trap exposure
⚠
You are in the personal allowance taper zone
In the UK, everyone gets a tax-free allowance of £12,570. But once your income goes above £100,000, HMRC gradually takes that allowance away. Based on your inputs, your estimated income is £██,███ — placing you £██,███ into the taper zone. Your tax-free allowance has shrunk from £12,570 to just £█,███. You are effectively paying around 60p in tax for every extra £1 earned in this range.
£100,000£125,140
⭐ Pro tip

Most people only think about the 40% tax saving on pension contributions. But if contributing brings your adjusted net income below £100,000, you also recover your personal allowance — worth an additional estimated £5,028 in tax savings. A £██,███ pension contribution in your situation could be worth up to £█,███ in total estimated tax savings — not just the 40% many people assume.

Section 4
Illustrative pension scenarios
Your position
Pension: █%
£█,███/mo
Tax + NI: £██,███/yr
Scenario A
Pension: 10%
£█,███/mo
Tax + NI: £██,███/yr
+£█,███/yr vs current
Scenario B
Pension: 15%
£█,███/mo
Tax + NI: £██,███/yr
+£█,███/yr vs current
Scenario B shows a pension contribution that exits the personal allowance taper zone entirely — recovering the full personal allowance and reducing the effective marginal rate from 60% to 40%.
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Section 5
Questions to ask your accountant

Based on your inputs, these are the specific questions worth raising at your next accountant or HR meeting. Walking in with these questions saves time and gets better outcomes.

1What is my adjusted net income for 2025/26 including all income sources — and am I correctly in or approaching the personal allowance taper zone?
2What pension contribution would bring my adjusted net income below £100,000 — and does my employer offer salary sacrifice?
3Am I claiming full 40% higher rate pension relief on my Self Assessment return, or only the 20% applied automatically?
4Would my employer pass back some of their National Insurance saving if I increased my salary sacrifice pension contribution?
5Should I be sacrificing my bonus into my pension this year given my income level and trap position?
6Are there Gift Aid donations I could make before April 5th to further reduce my adjusted net income?
7Is my Self Assessment tax return correctly filed for 2024/25 — and am I registered given my income exceeds £100,000?
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Your personalised accountant questions
Generated specifically from your inputs. Walk into your next meeting with the right questions already prepared.
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Section 6
Your year-end action checklist

Time-sensitive actions personalised to your situation before April 5th.

Review pension contribution before April 5th
Based on your inputs, an additional £██,███ pension contribution could bring your adjusted net income below £100,000 — potentially recovering your full personal allowance.
Time-sensitive
ISA allowance — £██,███ remaining
Your estimated unused ISA allowance for 2025/26. Resets to £20,000 on April 6th — unused allowance cannot be carried forward.
April 5th
Check Self Assessment registration
With income above £100,000 you are required to file a Self Assessment tax return. Confirm you are registered at gov.uk/register-for-self-assessment.
Action needed
Claim higher rate pension relief
If your pension uses relief at source, the additional 20% higher rate relief must be claimed via Self Assessment. This is commonly unclaimed.
Worth checking
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Your personalised year-end checklist
Specific actions and deadlines based on your situation — not a generic list.
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Section 7
What to do next
Check your NI record and State Pension forecast
Log into your HMRC Personal Tax Account at gov.uk/personal-tax-account. Under National Insurance you can see your qualifying years, any gaps, and your current State Pension forecast.
Speak to your HR or payroll team about pension options
Ask whether salary sacrifice is available, whether your employer passes back employer NI savings, and what your current pension arrangement type is.
Consider speaking to a qualified tax adviser
Given your income level and trap exposure, a one-off conversation with a qualified accountant or tax adviser could be valuable. Use the questions in Section 5 as your starting point.

Important — please read. This report is an educational simulation produced by TaxLens based on user-entered inputs and publicly available HMRC tax rules for the 2025/26 tax year (6 April 2025 to 5 April 2026). All figures are illustrative estimates only. This report does not constitute financial advice, tax advice, investment advice, or any regulated service under the Financial Services and Markets Act 2000. TaxLens is not authorised or regulated by the Financial Conduct Authority. Individual tax positions depend on personal circumstances not captured in this simulation including other income sources, allowable deductions, prior year adjustments, benefits in kind, and more. Before making any financial decisions based on this report, we strongly recommend speaking to an FCA-authorised financial adviser or a qualified tax professional. Operated by Jaydeep Karkare trading as TaxLens · taxlens.io · privacy@taxlens.io

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