🇬🇧 UK Take-Home Pay Optimiser

2025/26 Tax Year · Salary Sacrifice Pension · Tax-Free Childcare

📋 Your Details

Full gross value — 42% tax withheld at source
Your current salary sacrifice %

👶 Childcare

📊 Current vs Optimal Breakdown

🎯 Optimal Pension Contribution

📈 Total Value by Pension %

Net Pay Pension Childcare Govt Top-up

Calculations are estimates for the 2025/26 UK tax year (England). RSUs taxed as employment income with 42% withheld at source. Pension contributions are salary sacrifice from base salary only, capped at £60k/year. Funded hours are term-time only (38 weeks). Tax-Free Childcare provides 20% top-up on remaining costs, max £2,000/child/year. This is not financial advice.