£60k-£125k Income Cliff Planner (UK, 2026-27)

Between £60,000 and £125,140 three UK rules stack up: the Child Benefit charge, the personal allowance taper (the 60% band) and the £100,000 childcare cliff. This planner puts them together on your own numbers for tax year 2026-27.

It works out your adjusted net income, the charge and who pays it, the effective rate on every extra £1,000 of salary, and what Tax-Free Childcare and funded hours are worth to your family. A what-if shows the gross pension or Gift Aid payment that would bring adjusted net income to £100,000 or £60,000, and the before-and-after for salary sacrifice, a personal pension or Gift Aid.

Inside: an Excel workbook that also opens in Google Sheets, an offline HTML version for a computer browser with a chart, print and save, and a plain-English quick-start guide with a worked example.

For UK parents and couples with one income between about £55,000 and £130,000. Scottish income tax bands included; funded childcare hours are England’s scheme.

Estimates for planning only, not tax, legal or financial advice. Rules checked against official sources on 2 November 2026; check them before you act. The what-if is the arithmetic of the rules, not a recommendation.