Cliffpilot

The UK tax cliffs you're on — the £100k childcare cliff, the 60% Personal Allowance taper, the £60k–£80k Child Benefit charge, student-loan drag — and the exact pension contribution that gets you off each one, with what it really costs you. 2026/27 rules. Budget day is Wednesday 28 October 2026.

What it does

Exact 2026/27 income tax (rUK or Scottish bands, savings & dividends stacked correctly), NI, every student-loan plan, Child Benefit charge (1% per £200), Personal Allowance taper, annual allowance (incl. taper & carry-forward).
The childcare cliff on both parents: working-parent funded hours (England) + Tax-Free Childcare (UK).
The contribution that lands you just under each cliff, what it costs in take-home, cost per £1 into the pension (often negative), and the monthly payroll ask to 5 April 2027.
A shareable plan with ordered next steps. Nothing is stored except the result you share.