Tax
Every £1 in, up to £1.67 working for you
Higher-rate relief turns a £100 take-home sacrifice into £167 invested. That maths doesn't exist anywhere else in your finances.
Keep more of what you earn.
See your real take-home pay — and how the right pension contributions mean less tax today and more wealth later.
Raising a family? Start with EMBR Family. Everyone else — EMBR Salary.
For your future self
EMBR Salary
Your salary is more than a number — it's the life you're building. See how a smarter pension split can cut your tax bill today and quietly grow real wealth on the side.
- See how much tax you could save with smarter pension contributions
- Unlock employer match you may be leaving on the table
- See what your salary is really doing for you each month
Open EMBR Salary →Free forever · Pro £7.99/mo or £69/yr
For parents £60k–£100k+
EMBR Family
Don't lose Child Benefit, Tax-Free Childcare or 30 free hours to the £60k and £100k cliff edges. See the pension top-up that keeps every benefit.
- Child Benefit kept vs clawed back (HICBC from £60k)
- Adjusted Net Income vs the £100k childcare cliff
- Exact pension top-up to stay safe — and what it really costs
Open EMBR Family →Free forever · Pro £7.99/mo or £69/yr
Free forever£0No card needed
Pro monthly£7.99/moCancel anytime
Pro annual£69/yrSave £27
UK company · No. 17262680ICO registered · GDPR compliantBuilt by a UK founder
Why pensions matter — now and later
Time
Starting at 30 vs 40 isn't double — it's quadruple
Compounding rewards the boring early years. A decade of contributions in your 30s can outgrow three decades starting later.
Today
Pensions cut your tax bill this month
Salary sacrifice drops your taxable pay, your NI, and (often) student loan deductions — before payday, not at year-end.
Family
The £100k cliff is a pension problem
Push adjusted income back under £100k with a pension top-up and you keep 30 free hours, Tax-Free Childcare and your personal allowance.
Future
The State Pension won't be enough
Around £230 a week, paid later each decade. Treat it as a floor, not a plan — your own pot is what buys choice in your 60s.
Freedom
Pensions buy you optionality, not just retirement
Access from 55, 25% tax-free, and the rest drawn on your terms. A pension is permission to slow down — or stop — on your timeline.
Employer
Your employer match is a pay rise you're ignoring
Many UK employers match above the auto-enrolment minimum. Not opting up is leaving guaranteed money on the table every month.
Legacy
Pensions pass on more efficiently than you think
Outside your estate for most purposes today — a pension can be one of the most tax-efficient things you ever leave behind.
Questions, feedback or just want to say hi?
Contact us →