🇬🇧 UK Take-Home Pay Optimiser

2026/27 Tax Year · Salary Sacrifice Pension · Tax-Free Childcare

📋 Your Details

Current gross value of RSUs vesting this year
Expected stock price change, e.g. 10 for +10%, -20 for -20%
From your payslip, e.g. 1257L, 1175T, BR, NT
Your salary sacrifice %
% of base salary — counts towards £60k cap
Unused allowance from previous 3 tax years
0 = no target. Set a minimum annual disposable income to maintain
Dental, critical illness, medical, travel insurance etc. (annual total)

👶 Childcare

📊 Current vs Optimal Breakdown

🎯 Optimal Pension Contribution

📈 Total Value by Pension %

Net Pay Pension Childcare Govt Top-up

Calculations are estimates for the 2026/27 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 (employer + employee). Funded hours: 30 hrs/week for working parents (income <£100k) ages 9m+, term-time only (38 weeks). 15 hrs universal for 3-4yr olds only. Tax-Free Childcare provides 20% top-up on remaining costs, max £2,000/child/year. This is not financial advice.