The 60% Tax Trap

Between £100,000 and £125,140, your effective marginal tax rate reaches 60%. For every £2 earned over £100,000, you lose £1 of your personal allowance - creating a hidden tax band that catches many high earners off guard.

High earners Business owners Bonus recipients
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Introduction

WHO THIS IS FOR

Who this service is for?

Individuals whose income falls - or is likely to fall - between £100,000 and £125,140. This is the income band where the withdrawal of the personal allowance creates an effective 60% tax rate on earnings. Many people in this range are paying significantly more than they need to, often without realising it.

DISCOVER WHAT HAPPENS NEXT

01

Book and pay

Purchase the service and book your 30-minute call at a time that suits you. You will receive a confirmation with the Google Meet link.

02

Share your details

Before the call, share a brief summary of your income sources and levels so our specialist can review your position and prepare in advance.

03

Strategy call

A 30-minute Google Meet where we walk through your income levels, explain the implications, and discuss the options available to reduce or eliminate the 60% rate.

04

Written PDF report

After the call, we produce a written PDF report setting out the key findings and specific recommendations for your situation - something you can act on or share with an employer.

WHAT'S INCLUDED

What is included

01

30-minute call to discuss income levels and implications

A focused Google Meet with one of our tax specialists. We look at your specific numbers, walk through how the 60% trap applies to you, and discuss what is driving your income into this range.

02

Suggestions on how to mitigate the 60% tax trap

We identify the most effective ways to reduce or eliminate the 60% rate in your situation. This typically involves pension contributions, salary sacrifice, or timing adjustments -tailored to what is actually available to you.

03

Written PDF report

After the call, we produce a written PDF report setting out the key findings and recommendations specific to your situation. You will have a clear, documented reference you can act on, share with HR, or keep on file.

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