EMBR Family
Keep the childcare. Keep the family time.
Save for the future.
One pension top-up can protect £10,000+ a year of childcare support.
See if you're at risk →For UK parents earning £60k–£100k+
Don't lose Child Benefit and £10,000+ of childcare to the £60k and £100k cliff edges.
EMBR Family shows you exactly how much pension to contribute to stay under the £60,000 High Income Child Benefit Charge and the £100,000 adjusted net income threshold — and keep Child Benefit, Tax-Free Childcare and 30 free hours.
Free with sign-up · Pro from £7.99/mo
Protect Child Benefit
Track your ANI against the £60k–£80k High Income Child Benefit Charge taper and see what's clawed back.
See your ANI instantly
Salary minus pension, mapped against the £60k and £100k thresholds with clear headroom or warning.
Smart pension top-ups
Get the exact contribution to drop below £60k or £100k — protecting Child Benefit and childcare in one move.
Find your number in 30 seconds.
Free with a quick sign-up. See whether you're above or below the threshold today.
Open the calculator →