For Parents10 January 20262 min read

How much can I actually save with Halo Pay?

Halo Team

TL;DR: Most families save between £2,000 and £5,000 a year. Higher earners and higher fees mean bigger savings — but even at modest salaries, the numbers are significant.

Everyone says "you'll save money" but nobody shows you the actual numbers. So let's fix that.

We've worked out the savings at four different salary levels with realistic nursery fees. These use 2025/26 tax rates: 20% basic rate income tax, 40% higher rate, 8% employee NI below the upper earnings limit, 2% above.

Earning £28,000 — nursery fees £900/month

Your saving: £3,024 per year (£252/month)

Without Halo Pay, you'd take home £23,680 after tax and NI. Pay your nursery fees of £10,800 and you're left with £12,880.

With Halo Pay, your taxable salary drops to £17,200. You take home £15,904 — and your nursery is already paid. That's £15,904 in your pocket.

The difference: £3,024 a year. That's a family holiday. Or three months of food shopping.

Earning £40,000 — nursery fees £1,200/month

Your saving: £4,032 per year (£336/month)

At £40,000 you're still a basic rate taxpayer, but the higher fees mean bigger savings. Without Halo Pay, you'd have £17,920 after nursery. With it, you keep £21,952.

That extra £336 a month is the difference between feeling squeezed and feeling fine.

Earning £60,000 — nursery fees £1,200/month

Your saving: £5,395 per year (£450/month)

This is where it gets interesting. At £60,000, part of your income is taxed at 40%. When you contribute £14,400 through Halo Pay, that chunk comes off the top — from the higher rate band first.

Without Halo Pay: £30,957 after nursery. With it: £36,352. Nearly £450 a month more in your account.

Earning £80,000 — nursery fees £1,500/month

Your saving: £7,560 per year (£630/month)

Higher earners with higher fees see the biggest absolute savings. The £18,000 in nursery fees comes off your salary before the 40% tax and 2% NI are applied.

Without Halo Pay: £38,957 after nursery. With it: £46,517. That's £630 a month — over £7,500 a year.

What these numbers don't include

Halo Pay costs your employer nothing to set up or run. It's a genuine benefit they can offer at no cost — which is why it's an easy conversation to start.

What if I have two children in nursery?

Double the fees, roughly double the savings. A family earning £50,000 with two children paying £900 each (£21,600 per year total) could save over £6,000 a year.

The typical saving

Across all the families using Halo, the typical saving falls between £2,000 and £5,000 per year. Where you land depends on your salary, your tax rate, and how much you pay in nursery fees.

This isn't a coupon or a cashback scheme. These are real, permanent tax savings on money you're already spending. Every month. For as long as your child is in nursery.