A web-based calculator and planning tool that ingests a user's salary, bonuses, share awards, and other income sources, then models multiple pension contribution scenarios against all relevant tax thresholds and benefit cliffs simultaneously. It shows the net financial impact of each scenario — including recovered child benefit, retained childcare hours, tax relief, and student loan savings — and recommends the optimal contribution amount, timing, and vehicle (SIPP, AVC, salary sacrifice) to maximize total household value.

Recent UK threshold changes to child benefit (raised to £60-80K in 2024) and the growing complexity of benefit tapers at £100K have created widespread confusion. Rising salaries and one-off corporate events are pushing more middle-income earners into unfamiliar tax territory, while the proliferation of pension vehicles (SIPP, AVC, CSAVC, salary sacrifice) makes DIY optimization increasingly difficult.