Find every tax saving you’re missing
A health score that scans your allowances and reliefs, surfaces the savings — and the risks — and shows you exactly what to do.
- 20+
- Allowances & reliefs scanned
- 60%
- Effective relief in the £100k trap
- UK + US
- Both tax systems, one score
Most people overpay tax not by cheating but by missing the legal stuff: an unused ISA, unclaimed higher-rate pension relief, the £100k trap, a wasted CGT exemption. The allowances are there — you just never see them.
AI TaxPilot runs a health check across 20+ UK and US allowances and reliefs on your real numbers, scores your position, ranks the savings you’re missing and the risks you’re carrying, and models each move before you make it.
- A single tax-health score from your real figures
- Ranked savings opportunities, in pounds or dollars
- Risk flags before they cost you
See it in action
A 34 seconds walkthrough of the real journey, end to end.
Connect your data
Link HMRC (and your bank, if you like) so the check runs on your real numbers rather than guesses.
What you get
One score from your connected data, with a clear grade and what’s dragging it down.
ISA headroom, unclaimed higher-rate relief, the CGT exemption and more — ranked by what they’re worth.
The £100k trap, payments-on-account surprises, allowance breaches — spotted early.
See exactly what a pension top-up or an ISA does to your bill before you commit.
401(k)/IRA headroom, the HSA, capital-gains harvesting and bracket management for US filers.
Carry a recommendation straight through to your return or calculator.
Calculators included
Free with your account, alongside the AI assistant and filing.
Learn the rules
Plain-English, sourced guides behind this solution.
The £100,000 tax trap
Why earning between £100,000 and £125,140 can cost you 60p in tax on every extra pound — and how to climb back out.
Pension tax relief & allowances: the complete guide
How relief actually reaches your pension, the £60,000 annual allowance and taper, carry forward, and life after the Lifetime Allowance.
Salary sacrifice, explained
Swap salary for pension or an electric car and save National Insurance on top of income tax — but watch the small print.
Are you leaving higher-rate pension relief unclaimed?
Relief at source only adds 20% at the pump. Higher and additional-rate taxpayers have to claim the rest — and millions never do.
Frequently asked questions
How does the tax-health score work?
It scans 20+ allowances and reliefs against your connected figures, scores how efficiently you’re using them, and lists ranked savings opportunities and risk flags with what each is worth.
Is this regulated financial advice?
No — it’s personalised information and modelling, not regulated advice. It shows you the allowances and reliefs you’re not using and what they’re worth; you decide what to act on.
What is the £100,000 tax trap?
Between £100,000 and £125,140 you lose your Personal Allowance at £1 for every £2 earned, creating a 60% effective rate. AI TaxPilot models how much pension takes you back under £100,000.
Does it work for US taxes?
Yes — the US health check looks at 401(k)/IRA headroom, the HSA, capital-gains harvesting and bracket management, with its own score and flags.
See what you’re leaving on the table
Run a free tax-health check — your score, your ranked savings and your risk flags in under a minute.
Run my checkNo card required.
This guide is general information, not personal tax advice, and reflects the rules we believe to apply as at June 2026 — rates and thresholds change. Always check your own figures against HMRC / the IRS and consider a qualified adviser before acting. You remain responsible for the accuracy of anything you file.