Income tax on the real bands (rUK or Scottish), National Insurance, and your student loan plan — plus the number payslips never show: your true marginal rate, which quietly hits 62% between £100,000 and £125,140. The same functions the Hundred Summers engine charges in every projected year. Your figures never leave your browser.
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Three deductions do the work: income tax above the £12,570 personal allowance (Scotland has its own bands), employee National Insurance at 8% between £12,570 and £50,270 and 2% beyond, and a student loan that behaves like a 9% tax above your plan's threshold. The interesting number is the marginal rate — what your next pound keeps — because that's what a pay rise, bonus or pension contribution is really priced at.
Pension contributions are the lever: by salary sacrifice they cut every line above at once. The full Hundred Summers plan runs this arithmetic for every year of your life, not just this one.
Hundred Summers