EMBR Family · FreeProtect Child Benefit and childcare — £60k to £100k+.
Enter your salary and pension contributions to see your adjusted net income — and the top-up that keeps Child Benefit, Tax-Free Childcare and 30 free hours.
Your inputs
Adjusted net income
Eligible£0vs £100,000
£0£100k£125k
You qualify for Tax-Free Childcare & 30 free hours
You have £100,000 of headroom under £100,000.
Child Benefit (HICBC)
Full benefit kept£0£60k£80k£100k
You're under £60,000 — full Child Benefit kept. £60,000 of headroom.
- • Under £60,000 ANI — full Child Benefit kept.
- • £60,000–£80,000 — 1% clawed back for every £200 over.
- • £80,000+ — fully repaid through HICBC.
- • Charge applies to the higher earner; pension contributions reduce ANI £-for-£.
Your tax breakdown
Estimated for 2025/26 (England, Wales & NI).
Income tax *£0
National Insurance **£0
Pension (salary sacrifice) **£0
Take-home£0
* Tax shown for rUK (England, Wales & Northern Ireland). NI is UK-wide. Switch with the location toggle above.
** Assumes pension is paid via salary sacrifice — reduces both income tax and National Insurance. If yours is relief-at-source or net-pay, NI savings won't apply.
EMBR Family Pro
Want the full picture?
- • Bonus, salary sacrifice, SIPP & other deductions
- • Rental income, dividends, savings & mortgage relief
- • Full tax breakdown, take-home & monthly views
- • What-if pension contribution simulator
£79/year option available · cancel anytime