For working parents in the UK earning over £100,000
Earning Over £100,000
Just Cost You
Free
Childcare
It's not about earning less. For most parents, one specific figure decides it, and it might not even be their income that needs to change.
Information and guidance only, not financial advice. Any personalised advice comes from an FCA-regulated adviser, on a call you choose to book.
A few questions. One clear answer.
We take your household's real numbers, both incomes, not just one, and show you where you sit against the threshold and what moves that figure. For most people, those are decisions they're already in a position to make. Not a pay rise.
Both incomes
Counted together, not just the higher earner's
Same day
Your report lands same-day, not weeks later
One Adviser Call
With an FCA-regulated adviser from our panel
The bit nobody warns you about
You did everything right. You built a career, you earn well, and now you're paying for it in a way nobody mentions at your salary review. The nursery bill lands, and it's the kind of number that makes you check it twice, because somewhere past £100,000 a year, the government quietly switches off the childcare support that everyone else in the country still gets.
Payday still comes. It just doesn't feel like it did before. A few days after your salary lands, the nursery fee has been taken, and you're doing that quiet mental arithmetic parents do at eleven at night, wondering where the rest of it went and whether there's actually anything you can do about it, or whether this is just the price of earning what you earn.
The figure that decides this isn't fixed. Most people just never get shown how it works.
Why HMRC won't make this easy for you
The rules that decide whether you get 30 hours free childcare and Tax-Free Childcare are public. They're sitting on the HMRC website right now, along with a term you've probably never had to think about before: adjusted net income. It's not your salary. It's not your take-home pay. It's a specific, calculated figure, and whether you're over or under £100,000 on that measure is the whole ballgame.
Most people don't know that figure isn't fixed. It moves depending on decisions you're already in a position to make. Get it under £100,000 and the 30 hours and Tax-Free Childcare switch back on. Stay over it, often by an amount smaller than you'd think, and you lose access to both, for every child, until your income changes.
You could work this out yourself. The information is genuinely all there. But it's written for HMRC's purposes, not yours, and if you've ever tried to log into the government's childcare portal at 11pm with a laptop balanced on your knees, you'll already know how that usually goes.
Adjusted net income
Under the threshold
30 hours + Tax-Free Childcare: on
Over the threshold
Support switched off, per child
This figure isn't fixed. Most people have never been shown what moves it.
What we actually built
We built a short, guided questionnaire that takes your household's real numbers, both incomes, not just the higher earner's, and works out exactly where you stand against the £100,000 threshold. Where most tools and most AI chatbots stop at a rough estimate for one salary, ours accounts for both partners, because in most households we've spoken to, that's the detail that actually changes the answer.
No jargon, no fifteen-tab HMRC rabbit hole. Just your numbers, your options, and what to do next.
Hover to explore the report
This is a worked example, not a live report: figures are illustrative and masked, not your data.
Here's what happens after you start.
A short, guided questionnaire
Fill it out in a few minutes. It weighs your whole household's income, not just one payslip.
A personalised report
We generate a report that sets out where you stand, what moves the figure, how much difference it would make, and what that means for your take-home income.
A call with a senior adviser
Book a call with a senior adviser from our panel, who is FCA-regulated and can look at the wider picture with you.
That call is advice from a regulated adviser, not a sales pitch.
See If I Could Qualify"Can't I just ask ChatGPT?"
You can, and if you've already tried it, you'll know roughly where it gets you.
It'll tell you, in general terms, how adjusted net income works. It might even get the mechanics broadly right.
What it generally won't do is work through both incomes in your household at once, apply the threshold rules to your specific figures, or show you what actually lands in your pocket once nursery fees and the childcare support itself are both accounted for.
That's the difference between information and an answer. The rules are public. Working out your specific number, for your household, in a way you can act on this week, is the part that takes longer than a free chatbot session most people don't have time for.
A free chatbot
- General mechanics of adjusted net income
- Doesn't calculate for both incomes at once
- Doesn't apply the rules to your figures
- No view of what lands in your account after nursery fees
The Childcare Hack
- Both household incomes, calculated together
- The rules worked through on your figures
- Take-home income after nursery fees, not before
- One included call with an FCA-regulated adviser
What you get
One report. Both incomes.
A real next step.
A personalised eligibility report
Covers your whole household's income, not half the picture.
A clear breakdown
What moves your figure, and what it would be worth.
One included adviser call
With an FCA-regulated adviser from our panel.
A private, no-nonsense process
No HMRC portal, no jargon, no chasing.
What households like yours say
Real customers, in their own words, after going through the report and the adviser call.
I’d spent weeks googling this and getting conflicting answers. The report pulled it all together in one place. I’ve already recommended it to two friends at work.
We didn’t know if we were even eligible for anything. The report was easy to follow, honest about what applied to us, and didn’t try to sell us anything. Wish we’d done it sooner.
Ten minutes and I finally understood where I stood. Clear, calm and no jargon. Best £50 I’ve spent this year.
I recently got a promotion at work, and didn’t realise that I would lose our Funded and Tax Free Childcare. HR and Finance at work were unable to help me, and even after asking an accountant, I couldn’t make head nor sense of the “guidance” given on the HMRC website. I completed the report and found it simple to understand and it listed out the things we could potentially do to help us. The Regulated IFA helped a bunch and at the end of the whole process, we were able to get back what the promotion had essentially lost us. Thanks for everything!
Surely the HMRC website should be there to help you avail yourself of the benefits of Tax Free and Funded Childcare, but alas, it’s not written in simple enough terms to allow you to make any real decision around what to do. I bought the report, filled in the details and was given, in pure english, things that I could do, to make us eligible for this again! Simple process and the IFA call is a must if you want to plan for the future, which is more important once you can save more money!
What a household gets back depends entirely on its own circumstances. These are individual experiences, not a guide to what you’ll get — the report works from your figures, not anyone else’s. Some names have been changed at the customer’s request.
Get your report
No subscription, no upsell ladder, no second product you didn't ask for.
See If I Could QualifyBacked by a 30-day money-back guarantee.
What could you save? See it in two minutes.
Answer a few questions about your household and we'll calculate your position instantly, using both incomes, before you pay for anything.
Common questions
A few questions people ask before they start
Yes. We calculate against your household's adjusted net income, not just one salary, which is the detail most free tools miss.
No. This report is information and guidance to help you understand your own position. If you'd like regulated financial advice, the included call connects you with someone qualified to give it.
If you're not satisfied with your report, you can request a full refund within 30 days, no conditions attached.
Yes. Your name, email and answers are stored securely and used to produce your report and book your included adviser call. We'll also stay in touch afterwards with more guidance relevant to your situation, and you can opt out any time. We don't sell your data to anyone else.