Threshold & tax-year optimization
Where your income sits, and the levers to move it
Pension contributions, carry-forward, and Gift Aid all move where your adjusted net income lands against the thresholds that matter. Plus the NI change coming in 2029.
Pension strategy
Salary Sacrifice vs SIPP for High Earners
Both routes lower your adjusted net income and save income tax. One also saves National Insurance, the other gives you more control. Here is how to choose.
6 min readNational Insurance
The 2029 National Insurance Salary-Sacrifice Cap
From April 2029, only the first £2,000 of pension salary sacrifice stays free of National Insurance. Here is what changes and what it could cost you.
5 min readAnnual allowance
Pension Carry-Forward and the Tapered Annual Allowance
Your real pension allowance after the high-income taper, plus how to use unused allowance from the last three years without triggering a charge.
7 min readPension strategy
Gift Aid for Higher Earners
Gift Aid donations reduce your adjusted net income just like a pension contribution. If you already give to charity, you may be leaving tax relief on the table.
4 min readPension strategy
When in the Tax Year Should You Act on Pension and Gift Aid?
Carry-forward and Gift Aid both reduce your adjusted net income, but only if the contribution lands in the right tax year. Here is why timing, not just amount, decides whether they work.
5 min read