Pension on a £80,000 salary — HICBC fully phased out.
What pension can you build on a £80,000 salary? See higher rate tax planning, salary sacrifice savings, and recommended contribution rates.
At £80,000 the High Income Child Benefit Charge has fully phased out — child benefit is gone entirely for families. You're paying around £19,432 in income tax and £3,394 in NI per year. Around £29,730 of earnings sits above the higher rate threshold. The interesting consideration at £80k is that you're £20k below the £100k personal allowance taper — meaning a single bonus or pay rise could push you into the 60% effective marginal tax band between £100k and £125,140 (where you lose £1 of personal allowance for every £2 of income over £100k, on top of normal 40% tax). A pre-emptive pension contribution strategy at £80k that uses salary sacrifice can keep you safely below the £100k cliff edge while building meaningful retirement provision.