Escape the Scottish £100k Trap
Between £100,000 and £125,140, Scotland takes 67.5p of every extra pound. This workbook shows you exactly how much pension contribution escapes the trap — and saves you thousands.
£19
One-time payment · Google Sheets
Get the workbook — £196 tabs. Every calculation you need.
Trap Analysis
Enter your salary — see exactly how much PA you've lost, the extra tax, and the pension contribution needed to escape.
Pension Optimiser
Salary sacrifice vs personal contribution comparison at your exact rate. Shows net cost, NI savings, and what to claim via Self Assessment.
Carry Forward
Track unused pension allowance from the past 3 years. See your total available contribution limit.
Bonus Planner
Should you take a bonus as cash or sacrifice it? Side-by-side comparison showing the tax cost of each option.
Pension Projections
30-year compound growth projection with adjustable return rate and annual contribution.
Scottish Rates Reference
All 6 Scottish bands, the trap zone, and England comparison — for quick reference.
Not sure yet? Try our free £100k trap calculator first.