{"id":35293,"date":"2025-04-24T14:14:17","date_gmt":"2025-04-24T14:14:17","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/?p=35293"},"modified":"2026-05-26T18:23:20","modified_gmt":"2026-05-26T18:23:20","slug":"salary-hit-100k-5-financial-planning-tips","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/salary-hit-100k-5-financial-planning-tips","title":{"rendered":"Salary hit \u00a3100k? Five financial planning tips"},"content":{"rendered":"\n

If your salary has hit six figures, you might think your long-term finances are sorted. But it can be all too easy to fritter away your hard-earned wealth or fall into one of the \u2018tax traps\u2019 that hit those earning over \u00a3100,000.<\/p>\n\n\n\n

While it might be tempting to splurge your extra income on living the high life, some careful planning could mean it has a much longer-lasting impact on your financial wellbeing<\/a>.<\/p>\n\n\n\n

Here are five ways to help make the most of a six-figure salary.<\/p>\n\n\n\n

1. Avoid \u2018lifestyle inflation\u2019<\/strong><\/h2>\n\n\n\n

You might assume that once you\u2019re on a six-figure salary, you\u2019ll have lots of money left at the end of each month. However, our survey1<\/sup> of 1,200 people earning \u00a3100,000+ per year found that 26% of respondents were living pay cheque to pay cheque. While the rising cost of living<\/a> and higher mortgage costs might be partly to blame \u2013 and largely unavoidable \u2013 it could also be down to something called \u2018lifestyle inflation\u2019.<\/p>\n\n\n\n

When people earn more money, the temptation might be to buy more expensive things rather than save the extra cash. These \u2018lifestyle upgrades\u2019 could include eating out more often, switching to more expensive branded products, or buying a new car. So, while you might be earning more, you don\u2019t actually end up with extra money in your bank account. Over time, lifestyle inflation can translate into stagnant savings and difficulty reaching financial goals.<\/p>\n\n\n\n

2. Put your excess income to work<\/strong><\/h2>\n\n\n\n

It\u2019s understandable to want to enjoy your higher salary, but using your extra income to save, invest or pay off debts could have a more lasting impact on your financial wellbeing than spending it on short-term luxuries.<\/p>\n\n\n\n

If you have expensive debts, such as credit cards or personal loans, it may make sense to focus on paying these off first. This is because the amount of interest charged is likely to be higher than the interest you\u2019re receiving through your savings account. You might also want to consider overpaying on your mortgage<\/a>. Most mortgage lenders let you overpay by 10% of your outstanding mortgage balance each year without an early repayment fee.<\/p>\n\n\n\n

It\u2019s also important to check you have a sufficient \u2018rainy day\u2019 fund. Building up at least six months\u2019 worth of essential expenditure in an easy-access savings account could help you pay for unexpected emergencies or cope with a period of unemployment.<\/p>\n\n\n\n

Beyond this, investing your excess income<\/a> in the stock market could give your longer-term finances a boost. Although the stock market is volatile<\/a>, history shows that equities typically outperform cash and grow above the rate of inflation over long periods.<\/p>\n\n\n\n

3. Manage the 60% tax trap<\/strong><\/h2>\n\n\n\n

Once you earn over \u00a3100,000, you could be paying an effective tax rate of 60%<\/a> on some of your income. This is because your personal allowance (the amount of income you do not have to pay tax on each year) is tapered once you earn more than \u00a3100,000. The personal allowance (currently \u00a312,570) reduces by \u00a31 for every \u00a32 that your adjusted net income exceeds \u00a3100,000, and is zero if your income is \u00a3125,140 or above. This means that someone earning between \u00a3100,000 and \u00a3125,140 faces an effective 60% tax rate on that portion of their income (rising to 67.5% for those in Scotland<\/a>).<\/p>\n\n\n\n

One way to mitigate the 60% tax trap is to save into a pension. If you earn, say, \u00a3110,000 and make a gross pension contribution of \u00a310,000, your adjusted net income would fall to \u00a3100,000. This would reinstate your personal allowance and give an effective rate of tax relief of 60% on your pension contribution.<\/p>\n\n\n\n

4. Beware the childcare \u2018cliff edge\u2019<\/strong><\/h2>\n\n\n\n

Saving into a pension could also help you avoid the childcare \u2018cliff edge\u2019. Once you earn more than \u00a3100,000, you lose two parts of childcare support: tax-free childcare and 30 hours of free childcare per week for three- to four-year-olds (this was extended to 15 hours of free childcare per week for children aged from nine months to two years in September 2024, and will be extended further to 30 hours of free childcare per week for children aged from nine months to two years in September 2025). However, if you make pension contributions that reduce your adjusted net income to below \u00a3100,000, you could keep your free childcare hours and your tax-free top-ups.<\/p>\n\n\n\n

Bear in mind that that there is a cap on the amount you and your employer can pay into your pension each year and still get tax relief. For most people, the pension annual allowance <\/a>is 100% of your UK relevant earnings or \u00a360,000, whichever is lower (this might be tapered<\/a> if your adjusted income exceeds \u00a3260,000). If you exceed your annual allowance, you\u2019ll have to pay an annual allowance charge, which essentially claws back any tax relief received on the excess contribution.<\/p>\n\n\n\n

5. Get financial advice<\/strong><\/h2>\n\n\n\n

Understanding how to make the most of a six-figure salary \u2013 and how different tax rules affect you \u2013 isn\u2019t always easy. That\u2019s where getting some financial advice<\/a> comes in. At RBC Brewin Dolphin, we can help you draw up a solid budgeting plan. That way, you can feel confident that you\u2019re doing the right thing with your money and taking steps towards a more secure financial future. <\/p>\n\n\n\n

\n\n\n\n

1<\/sup> FindOutNow survey of 1,268 people with annual income of \u00a3100,000 or more, 25-27 September 2023.<\/p>\n\n\n\n

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Sign up to our newsletter for expert insights on investing for the future, saving for retirement, passing on assets to the next generation, and much more.<\/p>\n\n\n\n

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The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy. Information contained in this document is believed to be reliable and accurate, but without further investigation cannot be warranted as to accuracy or completeness.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Discover five ways to make the most of a six-figure salary \u2013 from avoiding lifestyle inflation to managing the 60% tax trap.<\/p>\n","protected":false},"author":92,"featured_media":35299,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[195],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[768,769],"rbcwm_segment":[792,772],"rbcwm_solution":[758],"rbcwm_topic":[757],"rbcwm_channel":[99,781],"rbcwm_format":[779],"class_list":["post-35293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","rbcwm_need-grow","rbcwm_need-secure","rbcwm_segment-corporate-executives","rbcwm_segment-individuals","rbcwm_solution-wealth-planning","rbcwm_topic-wealth-planning","rbcwm_channel-private-clients","rbcwm_channel-uk-individual","rbcwm_format-article"],"acf":{"rbc_ct_service":"s2","rbc_ct_theme":"s2_th4","rbc_ct_topic":"s2_th4_ta1","rbcwm_subtitle":"Discover five ways to make the most of a six-figure salary \u2013 from avoiding lifestyle inflation to managing the 60% tax trap.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"rbcwm_insight_cta_id":"","rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false},"yoast_head":"\nSalary hit \u00a3100k? 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