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Meet Your AI Finance Coach

Shield Your Family Income from the £100k Cliff

Our AI coach protects your allowance and childcare perks so your promotion actually pays.

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Already helping 1,500+ UK families save an average £9,600 a year in taxes and childcare fees.

Already helping 1,500+ UK families save an average £9,600 a year in taxes and childcare fees.

How It Works

Getting Started with Your AI Finance Coach

Three quick steps to shield your family from the £100,000 cliff:

How It Works

Getting Started with Your AI Finance Coach

Three quick steps to shield your family from the £100,000 cliff:

How It Works

Getting Started with Your AI Finance Coach

Three quick steps to shield your family from the £100,000 cliff:

1. Have an onboarding chat with your AI coach to map your family income situation

1. Have an onboarding chat with your AI coach to map your family income situation

1. Have an onboarding chat with your AI coach to map your family income situation

2. Get an instant action plan and quick-win strategy you can apply today

2. Get an instant action plan and quick-win strategy you can apply today

2. Get an instant action plan and quick-win strategy you can apply today

3. Connect your bank & investment accounts for live tracking and AI insights

3. Connect your bank & investment accounts for live tracking and AI insights

3. Connect your bank & investment accounts for live tracking and AI insights

Our Benefits

How Capita Keeps Your Family Ahead of the £100 k Trap

Our AI assistant blends HMRC rules, childcare eligibility and automation to stop your income falling off the £100 k cliff.

Our Benefits

How Capita Keeps Your Family Ahead of the £100 k Trap

Our AI assistant blends HMRC rules, childcare eligibility and automation to stop your income falling off the £100 k cliff.

Our Benefits

How Capita Keeps Your Family Ahead of the £100 k Trap

Our AI assistant blends HMRC rules, childcare eligibility and automation to stop your income falling off the £100 k cliff.

Tax‑Trap Radar

Live tally of your adjusted net income and headroom—instant alerts before you cross £100 k.

Tax‑Trap Radar

Live tally of your adjusted net income and headroom—instant alerts before you cross £100 k.

Stay Motivated With an AI Coach

Chat in plain English for clarifications, projections insights —your pocket money mentor, jargon-free.

One‑Tap Salary‑Sacrifice

Instantly see the pension top‑up amount and get a pre‑filled payroll request—review and send in one click.

One‑Tap Salary‑Sacrifice

Instantly see the pension top‑up amount and get a pre‑filled payroll request—review and send in one click.

Track Your FI Number

Know the exact net-worth target that lets work become optional and watch the gap close every day.

Childcare Hours Maximiser

See exactly how many funded hours you’ll keep and what tweaks lock them in.

Childcare Hours Maximiser

See exactly how many funded hours you’ll keep and what tweaks lock them in.

Childcare Hours Maximiser

See exactly how many funded hours you’ll keep and what tweaks lock them in.

Family Dashboard

One shared view for both parents; watch savings grow—no spreadsheets, no guesswork.

Family Dashboard

One shared view for both parents; watch savings grow—no spreadsheets, no guesswork.

Family Dashboard

One shared view for both parents; watch savings grow—no spreadsheets, no guesswork.

Capita AI: Advanced Money-Insight Engine

A conversational assistant that turns complex HMRC rules into clear, daily actions—so you stay safely below £100k cliff and keep your childcare perks.

Conversational Insights

Ask anything (“How far am I from Coast FI?”) and get an instant, jargon-free explanation.

Conversational Insights

Ask anything (“How far am I from Coast FI?”) and get an instant, jargon-free explanation.

Conversational Insights

Ask anything (“How far am I from Coast FI?”) and get an instant, jargon-free explanation.

£100 k Scenario Simulator

Test raises, bonuses or part‑time switches; see headroom and childcare impact in one click.

£100 k Scenario Simulator

Test raises, bonuses or part‑time switches; see headroom and childcare impact in one click.

£100 k Scenario Simulator

Test raises, bonuses or part‑time switches; see headroom and childcare impact in one click.

Payroll‑Ready Action Plans

Get a pre‑filled pension or Gift Aid request to send straight to HR or payroll.

Payroll‑Ready Action Plans

Get a pre‑filled pension or Gift Aid request to send straight to HR or payroll.

Payroll‑Ready Action Plans

Get a pre‑filled pension or Gift Aid request to send straight to HR or payroll.

Real‑Time Headroom Alerts

Push notifications when income nears the cliff—act before HMRC asks you to reconfirm.

Real‑Time Headroom Alerts

Push notifications when income nears the cliff—act before HMRC asks you to reconfirm.

Real‑Time Headroom Alerts

Push notifications when income nears the cliff—act before HMRC asks you to reconfirm.

Insights only. Capita does not provide financial investment advice.

Our Testimonials

Real People, Real Results

Hear how parents across the UK protect thousands in tax and childcare every year.

Our Testimonials

Real People, Real Results

Hear how parents across the UK protect thousands in tax and childcare every year.

Our Testimonials

Real People, Real Results

Hear how parents across the UK protect thousands in tax and childcare every year.

Sarah J.

Software Engineer, 32

"Capita showed I could salary‑sacrifice £900 a month and still afford the new kitchen – saving us £5,100 of tax."

James P.

Freelancer, 29

"We were about to lose free nursery for twins; Capita’s headroom alert saved £15k and serious stress."

Michael T.

Marketing Director, 38

“We kept our 30 h childcare and dodged the 60 % band when Amira got a raise.”

Elena M.

Doctor, 34

“I thought GP training pay rises were always good news—until Capita showed the 60 % sting. One click fixed it.”

View All Testimonials

Sarah J.

Software Engineer, 32

"Capita showed I could salary‑sacrifice £900 a month and still afford the new kitchen – saving us £5,100 of tax."

James P.

Freelancer, 29

"We were about to lose free nursery for twins; Capita’s headroom alert saved £15k and serious stress."

Michael T.

Marketing Director, 38

“We kept our 30 h childcare and dodged the 60 % band when Amira got a raise.”

Elena M.

Doctor, 34

“I thought GP training pay rises were always good news—until Capita showed the 60 % sting. One click fixed it.”

View All Testimonials

Emma R.
Financial Analyst, 30
“James’ promotion pay packet looked great until the cliff hit; Capita’s plan won back £7,900 in allowances in six weeks.”
Aisha K.
Healthcare Professional, 35
“The bonus alert pinged at sports day – I diverted it to pension in two taps.”
Michael T.
Marketing Director, 38
“We kept our 30 h childcare and dodged the 60 % band when Amira got a raise.”
Sarah J.
Software Engineer, 32
"Capita showed I could salary‑sacrifice £900 a month and still afford the new kitchen – saving us £5,100 of tax."

Lucy A.
Secondary-School Teachers, 34
“Child‑benefit and free hours vanished overnight at £100,001. Capita clawed them back and future‑proofed our bonuses.”
James T.
Analyst, 38
“Capita’s scenario tool proved a 4‑day week wouldn’t wreck our budget. We’re both home on Fridays now.”
Elena M.
Doctor, 32
“I thought GP training pay rises were always good news—until Capita showed the 60 % sting. One click fixed it.”
James P.
Freelancer, 39
"We were about to lose free nursery for twins; Capita’s headroom alert saved £15k and serious stress."